The fastest way to raise car insurance premiums is to get into more than one accident a year, and the best way to keep your premium from going up is by reducing risks of getting into car accidents.
Fortunately there are many actions that the average person can take to reduce his or her risk of getting into accidents. Some of the top strategies for reducing the risk of automobile accidents include:
Fortunately there are many actions that the average person can take to reduce his or her risk of getting into accidents. Some of the top strategies for reducing the risk of automobile accidents include:
- Drive less - If you’re not on the road you can’t get into a car accident. Try alternatives to driving such as public transit, carpooling, working from home and walking. Driving less saves money on gas. Another advantage to driving less is that you might be able to lower insurance premiums putting fewer miles on your car.
- Avoid night driving - Statistics indicate that you are three times as likely to get into an accident after dark. Visibility is lower and you are more likely to be tired. If you’re taking a long road trip pull into a motel at sundown. The cost of the motel room will be cheaper than the cost of an accident.
- Don’t drive when you feel sick or tired - If you’re sick stay off the road or get somebody else to drive. If you feel real tired don’t drive. If you’re driving a long distance and feel tired pull over and take a nap or stop and check into a motel.
Be careful when driving long distances. Long distance driving leads to boredom and fatigue, which causes accidents. If you have to drive long distances try to get somebody to share the driving. If you’re driving alone stop every couple of hours and get out and take a long walk for exercise.
Keep distance between you and other cars. The worst accidents involve cars moving in a tight formation what stock drivers call the freight train. Try to keep a distance equivalent of two cars between you and other vehicles whenever it is practically possible. A good way to do this is to simply let aggressive drivers pass.
Don’t drive in bad weather. You’re more likely to get in an accident in snow, ice, fog, rain etc. Only drive in bad weather if you absolutely have to. Fog and high wind can be just as dangerous as snow. Try to avoid driving any time visibility is limited.
Keep your eyes on the road. Regularly scan the road for other vehicles and try to avoid distractions such as cellphones and texting. Scan the road ahead but watch the blind spot carefully.
Don’t pass unless it’s absolutely necessary. Remember you’re not in a race and nobody’s going to give you anything if you pass everything else on the road. When you’re on a two lane road, only pass when a really slow moving vehicle is blocking the road. Slowing down for other vehicles can be frustrating but it’s safer.
Stay away from dangerous drivers. If you see an erratic or dangerous driver - ignore him or her and try to stay away. A good method is to simply let aggressive drivers pass. Be particularly leery of vehicles that have a lot of damage that’s a sure sign of bad driving.
Finally use common sense, obey the traffic laws and follow the rules of the road. The traffic laws and the rules of the road exist for a good reason to keep you safe and alive. Follow them and you will greatly reduce your risk of getting into a car accident.
Keep distance between you and other cars. The worst accidents involve cars moving in a tight formation what stock drivers call the freight train. Try to keep a distance equivalent of two cars between you and other vehicles whenever it is practically possible. A good way to do this is to simply let aggressive drivers pass.
Don’t drive in bad weather. You’re more likely to get in an accident in snow, ice, fog, rain etc. Only drive in bad weather if you absolutely have to. Fog and high wind can be just as dangerous as snow. Try to avoid driving any time visibility is limited.
Keep your eyes on the road. Regularly scan the road for other vehicles and try to avoid distractions such as cellphones and texting. Scan the road ahead but watch the blind spot carefully.
Don’t pass unless it’s absolutely necessary. Remember you’re not in a race and nobody’s going to give you anything if you pass everything else on the road. When you’re on a two lane road, only pass when a really slow moving vehicle is blocking the road. Slowing down for other vehicles can be frustrating but it’s safer.
Stay away from dangerous drivers. If you see an erratic or dangerous driver - ignore him or her and try to stay away. A good method is to simply let aggressive drivers pass. Be particularly leery of vehicles that have a lot of damage that’s a sure sign of bad driving.
Finally use common sense, obey the traffic laws and follow the rules of the road. The traffic laws and the rules of the road exist for a good reason to keep you safe and alive. Follow them and you will greatly reduce your risk of getting into a car accident.
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