Thursday, March 29, 2012

Avoid a High Car Insurance Quote by Following these Safety Tips

Preventing a car collision is easy if you remember to practice safe driving habits. Not only will you protect your own safety and the safety of drivers around you, you will also be rewarded with a lower car insurance quote. It’s simple really—insurance companies want to reward customers who have a history of few or no claims, as well as few moving violations.
So when you are on the road, make sure to follow these tips:
·         Don’t speed: If you are running late, avoid the temptation to speed. Studies show that driving as little as 20 miles over the speed limit can actually double the impact of a car crash. And consider this: a speeding ticket will cost you more money than any other moving violation. In addition, a speeding ticket will look bad on your driving history—one of the main factors that goes into how much you pay in car insurance.
·         Don’t drive when you are tired. There are no exceptions to this rule. Driving while very tired has similar effects to driving under the influence of drugs or alcohol. Both being intoxicated and being extremely fatigued may inhibit your reaction time and your awareness of other drivers around you. If you are on the road and begin to feel overwhelmingly tired, find a safe spot to pull over and rest for a while.  
·         Don’t drink and drive or do drugs and drive: This one is a no-brainer, and one of the first rules we teach young drivers; however, it is staggering how many adults do not listen to their own advice—often with deadly results. Almost 275,000 people a year die from drinking and driving, and this includes innocent bystanders.  
·         Pay Attention: Set your radio dials to the correct station before you hit the road, don’t eat while driving, and don’t rubberneck at accidents. All of these activities lead to distracted driving, and distractions are one of the leading causes of collisions.
In addition to the tips above, it is very important to drive defensively, as well as avoid aggression while driving. Failing to yield, flashing your lights, tailgating, and excessive honking are all aggressive behaviors. If in doubt, do unto others as you would have them do unto you. Courteous driving habits in addition to safe driving habits will earn you fewer tickets and a more reasonable car insurance quote.   

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