Even minor car accidents can be stressful. This is especially true if your car insurance is affected, since accidents can sometimes increase insurance rates. Fortunately, there are steps you can take to lower your risk of accidents and bounce back from increases due to previous accidents. 

How to Avoid Car Accidents

The best way to prevent car accidents is to be kind and conscientious behind the wheel. Defensive driving — traveling the speed limit, following traffic laws, and being aware of your surroundings — is an essential strategy. For example, leaving room in front of your vehicle ensures you can stop in time if the car in front of you encounters a road hazard.

You can also ensure safety by limiting distractions in your vehicle. Use of mobile devices while driving is extremely hazardous, as it pulls your attention away from the road and impairs your response time. Be wary of other types of distractions, such as talking with passengers, eating behind the wheel, or even daydreaming while driving. 

How to Deal With High Car Insurance Rates After an Accident

Driver’s education courses can sometimes result in a cost-savings from your car insurance company. They can also help prevent future accidents by freshening up your knowledge of driving. Some insurance companies offer accident forgiveness to customers with good driving records, so be sure to ask about their policies when filing your claim.

Raising your deductible is another option that can lower monthly premiums. Keep in mind that this is only a good option for people who have money set aside to cover the deductible in the event an accident occurs. You can also see if bundling other insurance products offers a discount. 

Since 1963, Zimmerman Insurance Agency has provided residents in High Point, NC, with quality insurance service. As a family-owned company, they have a real investment in supporting the local community, and they make this clear through their exemplary customer care. Along with car insurance, they also provide homeowners insurance, business coverage, and life insurance. Schedule a consultation today by calling (336) 883-6512. You can also visit their website to see a full listing of insurance products.