You probably knew that texting-while-driving is dangerous and can get you a ticket, but did you know it can also affect your car insurance rates? Here are some of the facts about distracted driving and how it will affect your auto insurance.

What is Distracted Driving?

In the eyes of the law, any activity that causes the operator of a motor vehicle to take their eyes off the road is considered distracted driving. This includes digging around a fast food bag for your burger, changing stations on the radio, or using your cell phone.

The U.S. National Highway Traffic Safety Administration (NHTSA) estimates that nearly half a million drivers on the road during the day are driving while using their cell phones. It takes about 5 seconds to send a text, which at highway speed means your eyes are off the road for more than the length of a football field. Every year, this costs thousands of people their lives and causes countless accidents, which result in hundreds of insurance claims.

How This Affects Car Insurance Rates

Since texting and driving has become so widespread and results in more accidents and claims, insurers nationwide are beginning to penalize drivers for it. Recent insurance penalties for drivers ticketed for distracted driving have risen nearly 8,000%, which means the average driver caught using their phone on the road will pay an additional $226 every year for car insurance. Now, distracted driving isn’t only dangerous, but it can cost you money.

If you've been zapped with a distracted driving ticket, contact Edwards Insurance Agency to see if you can lower your car insurance rates or improve your coverage at no additional cost. Serving Tomah, WI for over 100 years, this independent agency carries affordable auto, home, motorcycle, RV, and boat insurance. Read about their easy claim policy on their website or call (608) 269-4512 to request a free quote.