Helpful agents are standing by: (888) 973-0178
Press play below to listen to our audio commercial:

When To Avoid Driving To Keep Low Cost Auto Insurance

Nothing can affect your ability to get low cost auto insurance more than having a clean driver’s record. When you keep your driver’s record without blemish, you can significantly save money on your insurance premium. Accidents, however, are hard to avoid or to anticipate coming. That is why we call them “accidents”. There are things, however, that you can do to lower your risk of being involved in an auto collision.

According to the National Highway Traffic Safety Commission, “motor vehicle crashes were the 11th leading cause of death in 2009. In 2008, motor vehicle traffic crashes were the 9th leading cause of death overall.”. There are many factors that go into the probability that you are likely to get into an auto accident. If you can limit those factors, you will be able to lower you risk of becoming one of those fatalities.

There are things that you do while driving a car that can really increase the potential that you will be in an accident. Speeding is one of the biggest contributors to auto accidents. When you drive above the speed limit or too fast for conditions, you ability to stay in control of your vehicle is limited. Going at maximum speed means that you have a decreased chance of being able to have enough time to react if something should occlude your way, or pull out in front of you. In acclimate weather, that reaction time is even lessened. Always staying within the speed limit is a good idea. There are reasons why speed limits are posted the way they are because of the risk posed and the maximum speed which you can maintain control in a specific area.

With all the stress that people are under in current times, road rage has become a major issue in motor vehicle actions. When people are angry they make poor decisions and their reasoning is not in full faculty. It can lead to erratic driving, switching lanes, passing illegally, riding too close to another driver or speeding. The best thing to do if you encounter a person who is engaged in road rage, is to get out of their way and let them pass. Do not antagonize them.

Recently, distracted driving has become an epidemic. Things such as mobile phones, texting, and other modern conveniences are taking many people’s attention away from where it should be, focused on the road ahead. If you are driving make sure that you put the distractions away. If you need to attend to something, pull over and focus first on taking care of that business so that you can continue to drive with full awareness of the road. There are many laws being enacted as a result of states attempting to curb the distraction from our modern conveniences, so not only are they risky behaviors, they may be illegal as well.

Not maintaining your car is another reason for auto collisions. Making sure that your headlights and taillights are fully functioning is not only important for your own safety, but for the safety of the drivers around you. Turn signals, windshield wipers, rear view mirrors being adjusted, and tire conditions are all contributors to accident risks. Make keeping your car in optimal working conditions a priority before getting behind the wheel.

When you are tired your focus is diminished and so is your reaction time. Driving while you are tired is tantamount to driving under the influence. “Tired drivers account for 100,000 accidents yearly in the United States. This risk is greatest from 11 p.m. to 8 a.m., according to the National Highway Traffic Safety Administration. Avoiding driving when you are very tired is always a good idea.

We spend a lot of time in transit, and sometimes we need to do things behind the wheel, or do we? Things that can distract us like eating, applying makeup or reading can severely distract our attention from the road. Putting all those things down and realizing they can wait until we have time to pull over is alway a better decision.

Gappers delay is not only an inconvenience for other driver’s and traffic, but it also contributes to a significant amount of accidents. We are all interested in what is going on when we see a car pulled to the side of the road, but stopping to gape at it is not a good idea. Whatever is going on does not really matter compared to making sure you get to where you are going safely. Stop looking and focus on what you are doing, it doesn’t really matter what happened, if you feel you should help, pull over and let the other vehicles pass.

Reckless driving is also a great concern. Many people are in such a hurry to get one place or another, they make poor decisions about their driving behaviors. Speeding or disregarding laws like running red lights, or passing vehicles in no passing zones is never a good idea. Passing zones are dictated so because there is sufficient safety in doing so. The Highway Traffic Officials designate no passing zones because the view and length of space needed to pass is not great enough. Don’t think that you know better and try anyway. You are not only putting yourself at danger, but anyone who is coming along in the other lane.

Knowing when you should avoid driving, like when the weather is bad, or you are way too tired to get behind the wheel is an important part of keeping your record safe and you, and your passengers, as well. It is not only a matter of keeping your auto insurance low. The very best that can happen if you are choosing to drive under risky conditions is that you will get a citation. The worst is that you can lose your life, or harm those around you. If you already have blemishes on your record that are driving up the price, you have to wait a while for them to clear. In the meantime, do a price comparison of different companies to see if you are eligible for a lower cost policy.

Take the time now to go to the top of this page and use the box provided to input your zip code. In minutes you will receive a free rate quote that will allow you to compare your existing rate to others available. At a time when we’re all trying to cut costs, taking a moment to insure you aren’t overpaying for your auto insurance cost is a no-brainer. There is low cost auto insurance out there; you just have to know where to look.