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From traffic cones to turn signals, there are plenty of things to keep an eye on when you’re behind the wheel. That’s why car insurance companies use penalties to prevent drivers from focusing on their phones. If you’re wondering how distracted driving can affect your premium and how to maintain your current rate, take advantage of this guide. 

How Does Distracted Driving Make Car Insurance Pricier?

If a police officer catches you using a cell phone while driving, you may receive a ticket for distracted driving. In the past, car insurance companies only raised rates by a few dollars as punishment for this traffic violation. However, in the past few years, penalties have dramatically increased—in 2019, rate increases were 10,000% higher than they were in 2011. This means you could face a rate hike of a few hundred dollars or more per year.

Driving while using your cell phone will also increase your risk of getting into an accident, or colliding with stationary obstacles or property. If this were to occur, you’d need to file a claim with your car insurance. The more accident claims you file, the more your insurance provider will view you as a liability, which will raise your rates.

How Can You Avoid Distracted Driving?

car insuranceBefore you get behind the wheel, tell your friends and family members who expect an urgent response that you’re on the road. Then, turn off your ringer and put your phone in the center console, glove compartment, or inside your purse or briefcase. If you need directions, invest in a separate GPS system that mounts to your dashboard. 

In addition to your cell phone, there are a number of other distractions that could increase your risk of an accident. If you need to enjoy a snack, pull off to the side of the road, or enjoy your meal in a parking lot before getting back on the highway. Keep the music low, so you can comfortably talk to passengers and listen to roadway sounds. Also, make sure to finish your makeup and other personal hygiene tasks at home, before you get in the car.

 

If you’re hoping to lock in a manageable car insurance rate, Somers Agency will help you find the right policy. This Lorain County, OH, company has been serving area residents for over 120 years. Today, they work hard to match each client with a personalized collection of coverage, so they can safeguard their home, business, and other valuable assets. To learn more about their car insurance offerings, visit the website, or call (440) 324-3447.

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