One of the best ways to keep your auto insurance policies as low as possible is to avoid getting into accidents. While this is not the only factor that affects the rates you will pay on your auto insurance, it plays a major role in your rates. Staying accident-free is not always an easy task, but you might have a better chance if you take the following steps in your life.
Do Not Allow Yourself To Be Distracted
One decision you should make that could help you avoid getting into accidents is the decision to not allow yourself to be distracted when you drive. Distraction during driving is the number one cause of accidents on the road. When you are distracted while you drive, it may cause you to take your eyes off the road, or it may impair your judgement or thinking.
Distracted driving can be the result of many different things, but cellphones play one of the biggest roles in this. People become distracted when looking up directions, making phone calls, texting, or reading an email.
If you want to keep your driving record spotless so that your insurance rates do not increase, you should take every measure possible to avoid allowing yourself to be distracted while you drive.
Distractions during driving can also be the result of driving while drinking, using drugs, or taking medications, which is why you should never allow yourself to get behind the wheel of a car if you are impaired at all by any of these things.
Take A Defensive Driving Course
When insurance companies calculate premium costs, they factor in many things, including any accidents you were involved with. This not only includes an accident you may have caused and been deemed at-fault for, but it may also include any accidents you did not cause. Every state has its own set of rules used to determine fault in car accidents, and many states feel that no matter how much one person is at fault for the accident, the other party is still responsible at least a little bit. This is why your insurance company might still hike up your rates even if you really did not cause the accident.
Because of this, you might want to take a defensive driving course. The purpose of defensive driving courses is to teach drivers how to be aware of other drivers and the problems that they can cause on the road. These courses will also teach you how to drive safe, but they are primarily designed to help drivers avoid accidents by being on defense and alert when driving.
By taking this course, you may also benefit through a discount from your auto insurance company. Many auto insurance companies offer discounts to policyholders that take these courses, simply because they know that taking a course like this helps reduce the risks of accidents occurring.
Keep Your Car Well-Maintained
Finally, you may be able to avoid getting into accidents simply by taking good care of your car. If your car has any issues with its tires or brakes, you might be more likely to get into an accident from equipment failure. This can be especially true when driving on icy roads. Your car relies on the brakes and tires for it to stop. If either of these parts are not functioning well, you could end up causing an accident.
Staying accident-free can help you keep your auto rates lower, but there are a variety of other factors that also affect the price you pay for insurance. If you are paying too much right now and want a more affordable policy, contact an auto insurance company, such as Wolf Insurance Agency, today.