The rise of technology revolutionized the auto industry. Cars are now safer than ever. However, there are still a staggering number of car accidents each year, the majority of which are due to driver error. The best way to avoid an accident is to employ safe driving behaviors. Below are several safe driving tips to reduce incidents.
Drive with Traffic
Follow the speed of the other cars on the road. If there are multiple lanes, pick the one that suits the speed you wish to travel. Always remember that each lane farther to the left moves (or should move) faster than the one to its right. Also remember that in the US, cars coming from the left always have the right of way. When there are few or no other cars on the road, do your best to stay near the speed limit – setting your cruise control will help greatly with this.
Remove or Avoid Distractions
Distracted driving, like speeding, is a significant contributor to car accidents. As drivers’ attention spans shrink, the urge to talk, text, or check social media while driving increases. However, interacting with an electronic device behind the wheel reduces reaction time and pulls the driver’s attention away from the road. Because of this, many states passed laws banning the use of handheld cell phones. Even so, other distractions can prove just as lethal such as applying makeup, eating food, or chatting with other passengers. If drivers cannot remove distractions (such as other passengers in the car), they should take pains to reduce them. The best way to do so is to always keep their eyes on the road and both hands on the wheel.
While following the speed of traffic and limiting distractions will improve driver safety, there are several other suggestions that can reduce the risk of accidents. Some examples include:
- Wear a seatbelt
- Do not follow other vehicles too closely
- Do not drive with intoxicating substances in your system (this includes marijuana)
- Do not drive drowsy
- Take extra precautions in foul weather (i.e. slow down, increase following distance, etc.)
- Perform regular car maintenance
Practicing safe driving techniques can help reduce the likelihood of an accident, but drivers can only account for their own behavior. Defensive driving can help, but sometimes accidents are unavoidable. The Reilly Company can help individuals assess their risk factors and determine if their car insurance coverage is adequate in the event of an accident. For more information on safe driving, contact us.
Adding a teenage driver to your auto insurance policy can be expensive. The cost can catch many by surprise. Thankfully, while adding a teen driver is still expensive, the cost is decreasing. For example, in 2013, adding a teenager to a car insurance policy increased rates by 85% on average. That number has since dropped to 78%.
Additional Factors that Influence Rates
The above numbers shift dramatically depending on the gender of the teen driver. Adding a boy increases rates by 89% while a girl only increases rates by 66%. This disparity is due to statistics. In general, young boys have more accidents and file more claims. Rates vary by state as well. Some states increase rates by well over 100% while others do not break into double digits.
How to Decrease the Cost of a Teenage Driver
While the following will not reduce upfront costs, it will hold them steady and prevent them from increasing. The first year on the road poses the greatest threat. Parents should set ground rules and continue to drive with their teenager even after they earn their license. Just because a teenager passed a driving test does not mean they are ready for all situations they will encounter on the road. Other ways to reduce the likelihood of claims are establishing curfews and limiting the number of people in the car.
Parents should also consider investing in technology to help reduce distracted driving. Several apps exist to disable certain aspects of smart phones while an individual is driving. These apps prevent texts and social media updates from pinging the phone while the vehicle is moving.
Some insurance companies offer discounts to individuals who participate in a driver improvement course. Another potential discount exists for students who earn good grades. Parents should ask their insurance agent about any available discounts to help control costs when adding teen drivers to their policy.
Contact The Reilly Company to learn more ways to save when adding a teenage driver to your car insurance policy.
The technology industry has exploded over the last few decades, and with it have come many great safety innovations. Collision avoidance technologies are beginning to gain effectiveness rapidly. The most reliable to date has proven to be front crash prevention. These systems result in fewer crash-related insurance claims, and as such they’re helping to drive down premiums for their owners.
Front crash prevention systems that provide audible and imminent warnings tend to reduce claims by an average of about 7%. Systems that are also able to autonomously apply braking force can significantly improve these numbers with claim reductions averaging around 20%. These features are already needed to achieve top IIHS safety ratings, and will eventually become mandated by law in all vehicles.
Lane-departure warning systems can be effective in notifying drivers of drifting into other vehicles, but can also startle drivers into excessive course corrections. Blind-spot monitoring technology is one of the latest efforts in combating traditional causes of accidents. Watch for these and other collision avoidance systems to make further impacts on the industry in years to come. They’re evolving quickly, and could help you to save significant with your insurance provider. To learn more, contact us.