When you call a provider or broker to obtain an auto insurance quote, they will ask about your driving record and any infractions. Many people mistakenly believe that only past claims, speeding tickets, or DUI’s will cause auto insurance rates to go up, but that’s not the case. If you have been ticketed for not wearing a seatbelt, it’s quite possible that you’ll have to pay more to insure your vehicle. Insurance providers know that seatbelts prevent serious injuries, so those who choose not to wear them are considered a higher risk. Saving on your auto insurance is just one more reason to buckle up.

The types of seatbelts you have in your vehicle can also help you obtain more affordable car insurance. Specifically, your auto insurance premiums will usually be lower if you have an automatic seatbelt system in your vehicle. These systems can consist of automatic shoulder belts and manual lap belts or automatic shoulder and lap belts. If you have this type of system in your car, be sure to mention this when you are shopping around for auto insurance.