Distractions draw your attention away from the road whenever you’re behind the wheel. On any given day, you might confront thousands of things that cause you to divert your attention or take your mind off traffic. Some are necessary. Stop signs, merging vehicles, traffic lights, and construction crews all must be acknowledged. On the other hand, cell phones, texting, reading, and putting on makeup should be avoided while driving. These and countless other distractions dramatically increase the risk of causing an accident. That will cause your car insurance rates to climb.
Below, we’ll share a few statistics that will demonstrate the extent to which talking on the phone impairs your ability to drive safely. We’ll then take a look at other activities that can pull your attention away from the road. You’ll also learn how a single mistake due to distracted driving can influence your auto insurance rates for years to come.
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It’s often said that the only two things that are certain in life are death and taxes, and while that’s true enough, if you own a car you can add car insurance to that short list. Car insurance is virtually mandated in most of the Western world, and since you have to pay it, it helps to keep it is inexpensive as possible.
$55.12. That’s what I just paid to fill the tank of my Nissan Maxima—a mid-sized car. I generally view $50 fill-ups as the tipping point on gas prices. You can buy dinner for four at a moderately priced restaurant for that kind of money. That’s the kind of money that makes noticeable dents in a budget. And it’s ongoing; you’ll pay it every time you fill up.
If you get a repair estimate of $1000 on your car, do you sense desperation, turn the car over to the mechanic and tell him to do what needs to be done? If you do you could be making a mistake that will cost you hundreds of dollars.
