Low cost car insurance is not just a myth; it’s something that can be found.  The question is can it be maintained?  That is solely up to you and how you act behind the wheel.  Because if you are not careful, that premium you started with can shoot out the roof rather quickly.  Here are five ways your auto insurance can skyrocket in a matter of time.

The most obvious and perhaps most well-known way people lose the right to have low cost car insurance is through a car accident.  If the accident is your fault, your premium is more than likely going to increase.  How much it goes up will depend on the company.  However, it is important to note that some companies will forgive first-time accident offenders.

Another obvious is if you are convicted of a DUI.  No insurance companies want to see a customer of theirs get a DUI considering this is a serious risk and they base their rates solely on risk.  While it is irresponsible on the road, it can cause serious consequences.  You may find increased rates or your policy may be canceled or non-renewed altogether.

While this is not necessarily on you, purchasing a vehicle with a high claims history is your responsibility because of a lack of research.  There are certain cars that will shoot to the top of the most expensive to insure list.  High-performance sports cars typically fall into this category.  Just make sure to look into it prior to buying a car because this is not always the case.

Modifying the vehicle and making it “better” can put an end to that low cost car insurance you have gotten so comfortable with.  The reason they are considered high risk by a number of insurance companies is because the parts are worth more than the car itself in a lot of cases.  People are then more prone to being robbed by criminals or driving reckless.

The final reason you may no longer enjoy low cost car insurance is if your better half jumps onto your policy and is a reckless driver.  Discounts can be had by adding others to your insurance policy, but it can be a nightmare if that person brings speeding tickets, accidents and other violations to the table.  Make sure you know what kind of a driver your spouse is before even thinking about jumping onto the same car insurance policy.