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Driving Distractions that Could Raise Your Car Insurance

A 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. 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 mental distractions; if you feel yourself spacing out or that your mind is wandering, it might be a good idea to pull over and collect your thoughts. Give yourself some time to focus on driving for optimum safety.

Visual distractions are an easy way to take your eyes off the road which can lead to disaster. Many of these occur when the driver is looking for something either around the car, something they dropped or is fiddling with the radio. Digging for CDs, messing with IPods, doing makeup or anything to that effect is extremely dangerous. Any task that takes more than a couple of seconds can be extremely hazardous and should be avoided. Texting while driving might be the most common and most dangerous forms of visual distraction. Never take your eyes off the road for a few seconds and refrain from engaging in activities that require too much attention.

Auditory distractions can also be hazardous to driving. Sounds from on the road such as sirens or the horns of other cars should be paid attention to, and in order for that to happen, music must be kept at a minimum. Try not to pay too much attention to your cell phone the DVD in the back seat and pay attention to the important sounds of the road.

The last major distraction is the use of mechanical devices. Adjust your seat, your mirrors, and plug in your car charger before you’re on the road. Other devices that take away from your attention to the road are also inadvisable including cell phones and other handheld devices. Similar to visual distractions, if you’re looking at your seat or side mirrors to properly adjust them, you’re probably not paying attention to the road.

Distractions are incredibly easy to get caught up in and can be the difference between a safe trip and a disastrous car accident. Car insurance accident companies will place liability on a driver who is engaged in a distraction almost every time. Steer clear of these distractions to ensure a safe trip and a lower premium on your car insurance and less claims in general.

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. 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 mental distractions; if you feel yourself spacing out or that your mind is wandering, it might be a good idea to pull over and collect your thoughts. Give yourself some time to focus on driving for optimum safety.

Visual distractions are an easy way to take your eyes off the road which can lead to disaster. Many of these occur when the driver is looking for something either around the car, something they dropped or is fiddling with the radio. Digging for CDs, messing with IPods, doing makeup or anything to that effect is extremely dangerous. Any task that takes more than a couple of seconds can be extremely hazardous and should be avoided. Texting while driving might be the most common and most dangerous forms of visual distraction. Never take your eyes off the road for a few seconds and refrain from engaging in activities that require too much attention.

Auditory distractions can also be hazardous to driving. Sounds from on the road such as sirens or the horns of other cars should be paid attention to, and in order for that to happen, music must be kept at a minimum. Try not to pay too much attention to your cell phone the DVD in the back seat and pay attention to the important sounds of the road.

The last major distraction is the use of mechanical devices. Adjust your seat, your mirrors, and plug in your car charger before you’re on the road. Other devices that take away from your attention to the road are also inadvisable including cell phones and other handheld devices. Similar to visual distractions, if you’re looking at your seat or side mirrors to properly adjust them, you’re probably not paying attention to the road.

Distractions are incredibly easy to get caught up in and can be the difference between a safe trip and a disastrous car accident. Car insurance accident companies will place liability on a driver who is engaged in a distraction almost every time. Steer clear of these distractions to ensure a safe trip and a lower premium on your car insurance and less claims in general.