Following are some tips for avoiding accidents and thus reducing your risk of an auto insurance claim.

Many auto accidents in the United States could easily be prevented.

  • Distracted driving is happening at epidemic levels every day. Not a day goes by that you don’t see someone on his or her cell phone, talking or trying to text while operating a moving motor vehicle. States are now enforcing laws to regulate this behavior. Common sense should rule. Focus on the task at hand and be aware of your surroundings at all times while driving.
  • The next most important part in reducing your risk of auto insurance claims is wearing a seat belt. Serious injuries can happen on one-lane back roads just as easily as they happen on main thoroughfares. Be the designated seat belt wearer in your car and make sure all of your passengers are too.
  • Be sure to have enough room between you and the car in front of you. Should the vehicle in front of you stop short, you won’t have the amount of reaction time you think you do to stop. A good rule of thumb is to have at least one car length for every 10 miles per hour you are traveling. If something unexpected happens, you’ve given yourself plenty of time to stop and prevent a crash.
  • Car safety includes keeping your vehicle up to snuff in the care and maintenance department as well. To reduce your risk of auto insurance claims, keep up on regular oil changes, tire rotations and brake pad inspections. It’ll not only keep your car running in optimum condition, but you also won’t have to worry about your vehicle breaking down while you’re on the road and potentially causing an accident. Likewise, if you see another driver in a beat-up, run-down vehicle, you’ll want to steer clear so you’re not involved in an accident.

Driving can be a fun experience. Do everything in your power to make it that way. Follow these tips and you will reduce your auto insurance claims.