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Prevent Accidents and Increases in Your Auto Insurance Premiums

car insuranceAs you already know, your auto insurance premiums are based on many different factors. One of these is your accident record. Once you have one or more at-fault accidents on your record, your auto insurance premiums will increase. One of the easiest ways to keep your premiums low is to prevent car accidents. Remember to do the following and you’ll have a better chance at keeping that spotless driving record:

1) Watch other drivers. A car that is drifting in the lane might have an inattentive driver who is tired, preoccupied by their cell phone, or even drunk. Avoid people like that on the road and maneuver to get away from them.
2) Stay in the right or middle lane. You have more options to change lanes or pull onto the shoulder in an emergency. More highway accidents occur in the left lane.
3) Be aware of blind spots. Actually turn your head and don’t ride in someone else’s blind spot, either.
4) Watch the road ahead. This may sound elementary, but quite a few drivers simply watch the car in front of them and follow it. You need to be aware of potential problems developing farther up the road.
5) Know your car’s limits. Different vehicles hand braking has changed as well.
6) Be extra cautious at night. You might be the best driver in the world, but when there is a drunk driver on the road, all bets are off.
7) Don’t text and drive. In fact, don’t use a cell phone at all. Distracted driving is one of the leading causes of accidents.
8) Don’t turn around to discipline children. Frankly, they aren’t capable of killing one another, but turning around to lecture or swat someone can kill all of you.

In addition to all of these defensive driving tips, consider brushing up on your skills by enrolling in a driver training course. You may even receive a discount on your auto insurance for completing the class.