5 innocent ways to drive up car insurance

Not wearing a seat belt
3 of 7

Many states have "click it or ticket" initiatives designed to motivate drivers and passengers to wear safety restraints, especially if they are riding with children.

Seat-belt enforcement is generally divided into primary and secondary categories. States with primary enforcement laws allow officers to ticket individuals for not wearing their seat belts, even if no other traffic offense has occurred, says Luedke.

Other states have secondary seat belt laws. In those jurisdictions, officers can still ticket offenders for not wearing their seat belts, but only if another traffic offense has occurred.

In either case, if a driver gets a citation for not using a seat belt, it could make him look "riskier" to his car insurance company, says Luedke. His premiums could increase at renewal.




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