Anytime you experience an accident with your car and have to file a claim with your own policy, you take the risk of increased premiums. Your premiums are based on risk levels, and the number of accidents you have on your record affects this. If you want to protect your premiums, it might be wise to follow some good tips that may help you avoid being involved in an accident. Here are some of the best tips to keep in mind to help you stay accident-free.
Avoid all distractions
Distractions while driving are the number one cause of accidents, and it is very easy to be distracted. In fact, if you want to avoid being distracted, you will need to set your mind on this while you drive. You will need to keep thinking about what you are doing behind the wheel and try not to let other thoughts get in the way. Texting or using your phone at all is a common type of distraction for people, and this is why many states have laws that require hands-free driving. Another distraction may be loud music. There are all kinds of things that could distract you, but if you want to avoid accidents, you will need to make sure you avoid these.
Drive in a way that is defensive
Another great way to avoid accidents is by using defensive-driving skills. This simply means that you are not just following driving laws and rules while driving but instead are also carefully watching your surroundings to detect flaws in other drivers.
Follow traffic rules and laws
You should also make sure that you are following all traffic rules and laws. There are posted speed limits for a reason, and there are no-passing zones for a reason. Breaking laws can increase your chances of causing an accident to occur.
Slow down in inclement weather conditions
During times when the weather is inclement, it is important to adjust your driving habits. For example, when the roads are icy, you should not drive the posted speed limits, as this may be too fast for these conditions. Adjusting your driving habits during times like these can help you prevent causing an accident while you are driving.
Following these four tips may help you avoid accidents in the future. If you have questions about accidents, claims, or your auto insurance plan, talk to an insurance agent today.
Share2 January 2020
Hello, I'm Neil Boggs. I am crazy about riding motorcycles around town whenever I can. Since I live in a rainy city, I've been involved in more close calls than I'm comfortable admitting. Other drivers just don't seem to see motorcyclists despite having headlights on or loud exhaust pipes. Those close calls drove me to obtain a full coverage policy for my bike, even though it's not legally required in my city. In addition to medical coverage for myself and my passenger, I wanted all collision repairs covered in the event of an accident. I also elected to secure comprehensive coverage in the event of vandalism or theft damage or losses. I will discuss the various coverage types and amounts you can obtain for your motorcycle. I hope others will follow my lead and obtain full coverage to protect themselves from financial ruin after an accident or vandalism situation. Thanks.
