Before you reach to respond to that text or return that call as your cell phone rings, ask yourself if your desire to communicate is worth spending hundreds of dollars. According to recent studies, the use of a cell phone while driving can lead to an incredible surge in auto insurance premium prices. As cell phones are often attributed to accident-provoking distractions for drivers behind the wheel, setting your cell phone aside as you cruise along your commute can ensure that you’re driving with greater caution and greater savings.
Cell Phones and Auto Insurance
According to reports, drivers who tend to use their cell phone while operating a vehicle are far more likely to be involved in costly accidents. As accidents ultimately cause insurance companies to fork out more money for repairs and damages, insurers are undoubtedly opposed to such hazardous habits. In fact, some advocates opposed to cell phones while driving have equated the use of a cell phone to be as equally as harmful as driving while intoxicated!
Adding to the potential risks related to accidents and injuries, simply using a cell phone while driving can result in a serious fine and ticket. As a rising number of states are banning the use of cell phones while driving, any citizens refusing to adhere to these restrictions can be hit with a large fine and a mark on their driving record. In fact, if ticketed in some states, you may be additionally penalized with points on your driver’s license. With a large number of points, your insurance company will undoubtedly view you as a less reliable driver. As auto insurance rates are calculated using a formula that factors one’s accident, ticket, and overall driving history, even one ticket can lead to higher insurance costs.
Alternatives for Safe Cell Phone Use
Fortunately, if you feel you simply cannot avoid using your cell while driving, you still have safe and legally viable options. With innovations, many recent car models come equipped with hands-free “blue tooth” features, allowing drivers to call, speak, and hear cell phone conversations through their vehicle’s stereo speakers. Adding to this, cell phone companies now offer an array of hands-free gadgets to enhance the ease and safety of your use of a cell phone. Ultimately, to avoid spending extra bucks on insurance, find out alternative options to replace the riskier hands-on cell phone habits.
