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Keeping Premiums Low by Driving Safely

Some motorists are willing to go to great lengths to keep their car insurance bills affordable. They may spend hours comparing rate quotes from every provider under the sun just to find the best deal, or even base their next car-buying decision largely upon how much a policy will cost. Although some of these tactics can produce real results, not one is as effective, simple, or valuable as just driving safely. Navigating defensively and maintaining a safe vehicle will get you the largest discounts in the industry—those reserved for policyholders with essentially accident-free driving records. Below, you’ll find important road- and vehicle-safety tips to help keep your driving record immaculate and your coverage rates low.

Save Your Life, Your Car, and Your Money

The manifold benefits of driving safely extend far beyond avoiding costly tickets and potentially fatal accidents. By keeping your driving record accident-free for long enough, you’ll qualify for the safe-driver discounts, which is the most valuable discount most auto insurers offer. A pristine driving record will save you 10-20 percent on average on your premiums. Some carriers will also reward motorists with clean records with a disappearing-deductible program that lowers the policyholder’s deductible by a certain amount each accident-free year until the deductible vanishes altogether. Additionally, drivers with no accident claims may also qualify for accident-forgiveness programs, which allow the policyholder to make one claim without it affecting his/her premiums.

Road Safety Tips You Need to Know

The vast majority of accidents could be avoided if car owners simply didn’t drive distracted, tired, under the influence, or in adverse conditions (such as severe weather). Not operating a vehicle when drunk or sleepy goes without saying, but driving distracted deserves a bit more attention. A 2011 poll conducted by HappyDay revealed the following results on distracted motorists. The bottom line is: keep your eyes on the road. Doing so could avoid costly and deadly consequences.

  • Just under 20% of vehicular fatalities involve distracted motorists
  • 57% percent of drivers admit to drinking or eating regularly while driving
  • 37% of drivers admit to sending or receiving texts while driving, and 18% admit to doing so on a regular basis
  • 13% of drivers have browsed the Web while driving
  • 41% of drivers have changed or set a navigation system while driving

Keeping Your Vehicle Safe

When it comes the roadworthiness of your automobile, a small amount of regular maintenance and vigilance go a long way. The National Highway Safety Administration recommends checking your tire pressure at least once a month. You should do so more frequently during seasonal weather fluctuations. The ambient temperature will affect how inflated your tires are, so be especially vigilant when the seasons change. Also make sure your wiper blades are in satisfactory working condition. To protect your passengers, make sure small children ride in the back, and make sure children who need a car seat have one that fits and is properly installed. According to the New York City Department of Transportation, nine out of 10 parents who install a child’s car seat do it incorrectly. Protect your child by reading the instructions carefully.

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