If you want to pay cheap car insurance rates, it helps to maintain a clean driving record. To accomplish that, you have to set rules for yourself and your passengers to make the drive less risky. Below are some suggestions that will reduce your risk on the road.

5 Driving Rules That Will Reduce Risk

1. No Eating or Drinking Behind the Wheel

Distracted driving is a significant cause of car accidents. To minimize risk, avoid eating or drinking while driving. It keeps your hands free in case of emergency and helps keep your eyes on the road.

2. Designate a Navigator

If you're driving in unfamiliar territory, designate a passenger to navigate. If someone else is handling the map or GPS app, you don't have to take your eyes off the road to see directions. Additionally, if you wish to continue paying cheap car insurance rates, you should also never text or use other apps while driving.

3. Seatbelts for All

Make sure you and your passengers use proper restraints at all times while the vehicle is moving. Ohio requires drivers and front seat passengers to wear seatbelts, and back seat passengers between eight and 15 must wear safety restraints. Children under age eight must use a booster seat, and those under age four must use a rear-facing car seat. For safety's sake, adhere to these state laws.

4. Keep Music to Reasonable Volumes

Ultra-loud music is a distraction, which is why many drivers turn down the volume when lost or looking for an address. Additionally, it can mask important sounds like car horns honking, sirens, or the squealing of tires. Play with the radio while parked in your driveway, and designate a reasonable level that you should not exceed.

5. Prohibit Roughhousing

Tell your passengers that you do not permit arguments, fighting, or roughhousing. They are dangerous distractions that could result in a collision. If this type of distraction arises anyway, avoid the risks by pulling over and waiting until the incident is over.

For cheap car insurance in Fairfield, OH, contact 1st Choice Insurance. They serve Butler County and the surrounding areas and specialize in helping high-risk drivers get back on the road. Through them, you can save 38% on SR-22 insurance, and you can usually find coverage even if you have a poor driving record. Visit their website to request an auto insurance quote, and call (513) 860-0666 to ask about cheap car insurance.