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 →
