The Lowest Car Insurance Accident Quotes
Driving Distractions that Could Raise Your Car Insurance Rates
Car insurance accident companies use a wide table of elements to determine the risk and cost it will take to cover certain drivers. More responsible drivers provide a lower risk to their company and therefore will receive lower premiums and discounts on coverage. On the other hand, irresponsible drivers will receive higher premiums and even be cancelled if the risk of covering them proves to be too much. You may be surprised how much money safe driving can save, and how much reckless driving can cost.
Studies have shown that most accidents occur less than 15 miles from home and are mostly distraction related. According to a 2005 study, 80 percent of the crashes and 65% of the near crashes are a result of driving with a distraction. An earlier study done by Progressive Auto showed that 77% of policyholders involved in an accident were less than 15 miles from home and even more were less than 5 miles from home. Needless to say the statistics illustrate that most accidents can easily be avoided and are usually a result of being so familiar with the area that attention might drop and drivers may find it more important to pay attention to something other than the road. Driver distractions are the number one cause for car accidents and can be easily avoided. Here is a list of the most common driver distractions that should be avoided at all costs in order to keep your premiums low.
Mental distractions are one of the most dangerous while driving. Motorists who are lost in thought talking on a cell phone or otherwise have their minds in a different place run a high risk of becoming involved in an accident due to frequent driving distractions. Even though you may be looking directly at the road, you might not even realize what’s coming at you. This is one of the more dangerous distractions and can happen to anyone at any time. Drivers are taught to drive only if they’re in a stable mental state and free of mental distractions. Tired driving is one of the more common reasons for Continue Reading →
Are You Paying Too Much For Car Insurance, Accident Guy?
Many advertisements out there today make it seem so simple to save money on car insurance. If it were up to television, we would all simply need to go talk to a little green gecko with an English accent or go talk to Flo in the insurance department of what looks like a department store. The truth is, it’s not that simple to save money on car insurance. There are ways to save a great deal of money on your insurance, but they require research, planning, and safe driving. The key to saving money on car insurance is to educate yourself on the topic and find a policy that works for you. Also remember that the lowest price might not always be the best option if your situation calls for more insurance that the minimum requirement.
Most insurance companies abide by certain guidelines that determine a rough rate of insuring a driver as well as offering discounts for other factors. One of the best ways to save money on car insurance is pretty obvious-be a good driver. Individuals who have maintained a clean driving record for three to five years usually qualify for some sort of a safe driver program that could save them as much as 10% on their car insurance. As premiums continue to increase nationwide, each perk in savings you qualify for can make a huge difference. Shop around and calculate some premiums before and after the programs that you may apply for and see which company offers the highest amount of savings in areas such as safe driver savings, low mileage savings, good student savings, and many others.
The best way to save on car insurance is also to keep shopping even while you’re insured. Many insurance companies change their rules from time to time and can become the stand alone best company to fit your needs. Rather than renewing your current policy, see if there are any new programs that you qualify for at other companies. Also keep in mind that some companies reward loyal customers by giving discounts. Ask your insurance agent if Continue Reading →
