When calculating the cost of coverage, auto insurance companies weigh a variety of factors to determine how likely you are to file a claim. While the vehicle you drive and local traffic conditions play significant roles, your personal driving record is one of the most important factors to consider. Practicing safe driving techniques will prevent accidents and tickets that can trigger a spike in your auto insurance rates.
4 Safety Tips That All Drivers Should Follow
1. Watch Your Blind Spots
Almost every vehicle has blind spots, some of which can conceal even trucks and large SUVs. Relying on your mirrors before changing lanes can lead to a serious accident, so always look over your shoulder to check for motorcyclists or other cars.
2. Avoid Distractions
Every day, 1,000 people are injured, and nine lose their lives in accidents caused by distracted driving. Texting, talking on the phone, eating, and adjusting the radio all take your attention away from the road, leading to a dangerous accident that could have been avoided. In many states, texting and driving is illegal, so you could be pulled over and ticketed, which will likely drive your auto insurance rates up.
3. Maintain a Safe Distance
Rear-end collisions are one of the most common auto accidents, and they are almost always avoidable. Keeping at least two seconds between your vehicle and the car in front of you will give you time to respond if the other driver slams on their brakes unexpectedly.
4. Don’t Drive When You’re Tired
A driver who falls asleep at the wheel is totally unable to react to hazards, so these accidents tend to be extremely serious. If you find yourself drifting off or unable to concentrate on traffic, pull over and take a quick nap to recharge.
With offices in David City, Hickman, and Beatrice, First State Insurance Agency offers high-quality coverage and personalized service to drivers throughout the area. Their independent agents maintain relationships with some of the industry’s leading carriers, giving them an extensive range of auto insurance policies to choose from. Follow their Facebook for regular updates, and call (402) 979-7585 or visit their website to request your auto insurance quote today.