Are your Distractions Raising your Auto Insurance Rates?

We all like to think that we’re plugged in when we drive, but the fact of the matter is that many of us are guilty when it comes to distracted driving. In fact, it is estimated that distracted drivers caused nearly 6,000 fatal crashes in 2008 alone.

There are three types of driving distractions, according to Distraction.gov: visual, manual and cognitive. Have you eaten while driving? Have you made a phone call or texted a friend while driving? Have you applied lipstick or read a letter while driving? If so, then you, too, are guilty of distracted driving.

And your distracted driving may, in the end, cause you auto insurance rates to skyrocket. Here’s what you can do today to ensure your safety, your passenger’s safety and the safety of other motorists, all the while preventing an accident which can raise your insurance rates:

  • Although not engaging in any type of conversation is the best rule to follow while behind the wheel, it is also not very realistic. Therefore, you can protect yourself from distracted driving by not participating in any argument or heated discussion behind the wheel. In addition, if your children are misbehaving, instead of attempting to deal with the situation while driving, pull to the side of the road to take care of the situation. In addition, let your children know that you are unable to turn around and pick up toys or hand them items while driving.
  • Any type of technology that takes your mind or eyes off the road is best used only when your car is in park. If you have difficulty not addressing each text message you get while driving, turn off your phone to resist the temptation. In addition, let your friends and family know that when you are behind the wheel that you cannot partake in any conversations.
  • Manage your time better so that your driving time isn’t spent rushing from Point A to Point B and tending to multiple things. In other words, give yourself plenty of time to leave in the morning so you aren’t applying makeup, eating or rushing the kids to school at the last minute. When we are in a hurry we are often distracted, so make a point of turning over a new leaf and giving yourself plenty of time each day to accomplish your daily activities.
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