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5 Secrets to Avoiding Car Accidents – Want to keep your car insurance premium low? Don’t get into a car accident. Yes, driving is risky business but you can avoid crashes as a defensive driver, and lower your risk on the roads as well as your car insurance premiums. Anyone driving on the roads ought to know that not everyone drives well; while some people fail to pay proper attention on the road and wander into another lane, others speed aggressively, follow too closely or make sudden turns without signaling. All these can be dangerous and result in collisions. 
In fact, aggressive driving causes one third of all traffic crashes. Another even bigger road hazard today is inattentive driving. People tend to ‘multitask’ these days by texting, talking on the phone, or eating while driving. This is when many lose the focus and accidents occur. And accidents are nasty business. Even if it is not fatal, it can cost you a lot of money. You might have to shell out some money for minor repairs not covered by insurance; you’ll have to hire a lawyer to negotiate the car insurance claim, not to mention the higher car insurance premiums you have to pay in the future.
It is true that you cannot avoid all car accidents, but you can avoid most of them. Here are 5 tips to help you avoid auto accidents and save money on insurance premiums.
1. Avoid Distractions
Driving thinking task. You need to think about a lot of things while driving such as road conditions, observing traffic laws and signals, your speed and position, following directions,checking your mirrors, being aware of the passing and approaching cars, bicycle riders, pedestrians, and so on. Distractions such as eating, checking messages or talking on the phone only add to your dangers on the road. You fail to see potential problems or react to them properly in time. It is therefore very important to stay focused and concentrate only on driving and the road ahead.
Use a cell phone only in case of an emergency while you’re driving, and even then remember to pull over your car before making the call or text. Another tip, at least for teen drivers is to avoid carrying passengers during the first year of driving.
2. Stay Alert
Be alert when you’re behind the wheels.If you’re under the influence of any drugs or alcohol and/or you are feeling sleepy, DO NOT attempt to drive. Almost 10,322 people were killed in crashes that involved alcohol in 2014.
By staying alert you can react or respond quickly to a potential problem. Sometimes the car ahead might slam on the brakes abruptly. In such situations you may have only a few seconds to react. Being drowsy or under the influence of alcohol or drugs will affect your judgment and reaction time, often resulting in car crashes.
You must also be vigilant about your surrounding and other cars on the roads. Check mirrors frequently and keep your eyes moving to scan conditions. If someone is showing signs of aggressive or inattentive driving, pull over or at least slow down to avoid it. Also, be watchful about bicyclists, pedestrians and animals along the road.
3. Speeding
Many roadways in the U.S. are low-speed zones. Follow the designated speed limit when you’re driving, especially in areas that have high pedestrian traffic, such as streets with multiple intersections or school zones. Driving over the speed limit can put you under legal issues. Worse still, it can put other lives and yours at risk.
Maintain your speed limit to stay in control of the car. This is particularly applicable to new drivers. Speed limits mentioned on designated roads are based on ideal conditions. For example, if you’re driving in bad weather and at night on a road with high traffic volume, keep your car below the speed limit.
4. Seat Belts & Air Bags
Buckle up every single time you take the seat behind the wheels and make sure all your peer passengers are following this rule. Over half of the passengers killed in car accidents in 2014 were not wearing seat belts.
Accidents can happen anytime. Even if you are driving within the speed limit and follow all other traffic rules, you cannot control the behavior of the other drivers and crashes may occur. Seatbelts airbags guarantee your safety when situations go out of control. And they do, believe me. Especially around corners and on freeways.
5. Driving At Night
Despite there beingless traffic on the roads, over 40% of all lethal car accidents occur at night. In fact, the dangers of the roads compound at night due to loss of visibility, and exceeding speed limits and not wearing seat belts only worsen the situation.
Drivers therefore need to be more cautious and slow down at night, especially during bad weather and foggy winter nights. This is even more important for new drivers as experienced drivers can better anticipate the situation and take measures accordingly to avoid hazards. Until you become a better night-time driver, it is recommended youpractice driving at night with an experienced driver.
In Conclusion
What’s the best way to protect yourself behind the wheel? Understand and get familiar with the traffic rules of your state and gain experience as a driver. Most importantly, stay in control of your car and your passengers. Consider taking a defensive driving course to improve your driving skills and become a smarter, safer driver.
Author Bio:
Michael Georgiou M.A of Business Communications, Marketing/Advertising University of North Carolina at Pembroke Michael Georgiou is a dynamic business and marketing professional in the marketing division of Wilson Law, PA – Personal Injury Law firmbased in Raleigh, NC.
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