Auto accidents are not only physically dangerous, but they can also be expensive. Even if the vehicle can be repaired, your car or motorcycle insurance premiums are likely to increase for the next period. The best way to protect yourself and your family is to avoid collisions entirely. Below are some of the most common causes of motor vehicle accidents and how to avoid them.

3 Common Causes of On-the-Road Collisions & How to Avoid Them

1. Improper Turns

It is the turning driver's responsibility to make sure the road is clear before completing the maneuver. However, whether they're turning left or right, some motorists cut the turn too close and are either sideswiped by an oncoming vehicle or rear-ended after turning into a lane. Avoid this type of collision by being extra vigilant during turns; leave plenty of time for other drivers to react. Also, drive defensively whenever you enter an intersection or spot cars waiting to pull out of parking lots. Behave as if you expect somebody to do something foolish, and you can avoid many problems.

2. Inexperience

Teen drivers often get involved in an accident within their first year behind the wheel simply because of their youth and inexperience. To protect your teen from injuries, put limits on their driving privileges. For instance, don't allow them to operate a vehicle with more than one passenger. Only permit them to drive during daylight hours. Encourage them to complete a defensive driving course, and forbid texting or phone calls while behind the wheel.

3. Bad Weather

Rainy, icy, and snowy roads account for a large number of accidents each year. To avoid making a car or motorcycle insurance claim, drive with exceptional care whenever the roads are bad. Drive at or below the posted limit, leave extra room between your car and the one in front of you—at least four seconds, at highway speeds—and never make sudden lane changes or stops. You could easily find yourself sliding out of control.

To discuss your car or motorcycle insurance options with an experienced professional, contact 1st Choice Insurance in Fairfield, OH. They are family-owned and -operated, and they have served Butler County and the greater Cincinnati area for more than 30 years. In addition to auto and motorcycle insurance, they also carry SR-22 bonds and boat, RV, and homeowners insurance. Visit their website, and call (513) 860-0666 to request a quote.