You buy auto insurance to protect yourself, others, and your vehicle from damage resulting from accidents. One of the best ways to keep your auto insurance premium low is to be a defensive driver. Over 37,000 people die in road crashes each year. Road crashes cost the U.S. $230.6 billion per year, or an average of $820 per person. Road crashes are the single greatest annual cause of death of healthy U.S. citizens traveling abroad. (source; Association of safe road travel)
The best way to reduce the possibility of having an auto accident is to practice defensive driving. You will increase your chances of getting more affordable auto insurance and at the same time, build a good driving record.
Here are a few reminders as to why everyone should be a defensive driver:
1.Keep you cell phone off. Studies indicate using a cell phone while driving is the equivalent of driving drunk.
2.Turn on your head lights. This increase your viability.
3.Stay alert while driving. Being alert (not sleepy or under the influence) allows you to react quickly to potential problems.
4.Use defensive driving techniques and be aware of what others around you are doing--and expect the unexpected.
5.Do not speed. It gives you less time to react and increases the severity of an accident.
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