There's no secret that if you ever had a car accident your premiums and ultimately car insurance quotes for a new policy will go up depending on how many accidents you had and how serious they were. Of course, if it's a minor accidents and you haven't done anything wrong afterward your car insurance quotes are likely to remain on the same level. However if you constantly have problems in the traffic prepare to pay more. It was observed that a lot of accidents and traffic violations result from the distraction the driver experiences behind the wheel. So in order to protect your car insurance quotes from rising and you from having accidents let's look at some of the most common distractions and how to avoid them.
One of the most common distractions while driving the car is of course the mobile phone. There is so much debating about the dangers of using the mobile phone while behind the wheel that some countries have already banned the use of phones under the threat of substantial fines and even license suspension. Many people state that while the use of cell phones limits the ability to control the car using hands-free devices eliminates the problem. This is partially true because it's not the use of cell phone that is the problem. After all it's not that of a limitation while driving a car with an automatic transmission. Yet using hands-free devices doesn't significantly reduce the number of accidents due to phones. The main problem here is that the driver's attention gets distracted from the road to the actual conversation and that's what poses the biggest threat. The driver is unable to react properly because he's in the conversation. And while for female drivers it's not a big problem due to multitasking abilities, male drivers are more prone to having accidents due to phone calls because they don't manage performing many tasks requiring full attention very well. So it's strongly recommended that you don't answer the phone while driving or pull over and talk if the call is important.
Another serious distraction is food. Many of us are used to going through drive through restaurants while rushing from one place to the other. Sure, it looks convenient but spilled over hot coffee or a hamburger falling on your business suit can surely distract you from what's happening on the road. Thousands of accidents happen due to eating or drinking while driving so why would you want to make part of the statistics? If you want to eat so bad it's better to enter a fast food restaurant or simply pull over and have a 5 minute snack. Those five minutes won't affect your schedule so bad but they can certainly save your money or even your life.
Car insurance can sometimes be confusing especially if you have never dealt with it or wondered how your insurance costs can be reduced. If you want to optimize your expenses through the means of effective car insurance shopping or just want to get a decent policy right from the start there are certain things you have to know about auto insurance. Just make sure to keep in mind the following aspects of auto insurance in order to avoid ending up with a costly policy that won't meet your requirements:
When assessing your needs or already comparing car insurance quotes keep in mind that the more coverage you get with your policy the more expensive it will turn out. Having a lot of coverage is always good because you never know how much money will you actually need after a car accident.