4 ms·Why? Shouldn’t it lower ones rates unless one drives recklessly?by mint2 5y agoWhy? Shouldn’t it lower ones rates unless one drives recklessly?jobigoud 5y agoProbably the issue is with your insurance having a full record of where you go and what you do with your car.vb6sp6 5y agoSomeone cuts you off, you slam on the brakes to avoid an accident. Your rates go up. No thank you.