When auto insurers determine quotes for their policies, the first thing they look at is your accident history. If you’ve had auto accidents in your past, they will consider you more of a financial risk and will, therefore, charge you higher rates. Driving safely and keeping your accidents and other car insurance claims down is one of the best ways to maintain a low car insurance rate. While accidents aren’t entirely preventable, there are plenty of things you can do to reduce your risk of getting in one.
Be careful when accelerating and braking
If you like to speed up and brake very quickly, it can make you more likely to get in a car accident. It’s much safer to speed up and slow down gradually, instead of using a ‘lead foot’. Of course, there will be times when you need to react quickly, but if you make a habit of driving defensively, you’ll be less likely to get into an accident.
Put your phone away
Driving distracted is one of the biggest causes of car accidents. Make sure you put your phone away while you’re driving – put it in the glove box and turn the sound off. If you absolutely have to make a call, use a hands-free headset. If you’re driving with passengers, make sure they understand that your priority needs to be on the road. This is particularly important if you’re driving with children.
Get maintenance checks regularly
Make sure your car is always in good working order when you’re out on the road. Getting preventative maintenance will ensure that you don’t encounter dangerous problems with your brakes or engine when you’re driving.
Never drive intoxicated
It seems like a no-brainer, but make sure you’re never behind the wheel when you’re too intoxicated to drive. If you’ve been drinking, using recreational drugs, or even using prescription drugs that affect your mental state, you shouldn’t be driving. Have a designated driver, use public transit, or take a ride share service.
If you’re looking for affordable car insurance, contact All Star Insurance. We provide car insurance Killeen TX residents rely on. Visit our website today to find low-cost car insurance quotes.