Auto Insurance Comparisons Offer the Protection You Need for Less

On average, a motor vehicle crash occurs every 5 seconds, a person is injured in an accident every 11 seconds, and a fatal injury occurs every 12 minutes. Those are scary thoughts as you head out the door to school, work or to the store and convincing evidence of why auto insurance coverage is so necessary. Not only will liability insurance and other auto coverage give you the protection you need in the event of an accident, but also it is required by law. However, Insurance.com makes it easy to find dependable coverage at an affordable price with an auto insurance comparison from top car insurance companies.

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Car accident rates decline with safe driving.

The crash fatality rate per 100 million vehicle miles traveled is the lowest it has been since record keeping began 30 years ago, registering at 1.46, and remained below 1.50 for the second consecutive year. According to the National Highway Traffic Safety Administration's (NHTSA) 2004 Early Edition Report, the number of police-reported motor vehicle crashes occurring on the highways dropped to under 6.2 million from more than 6.3 million in 2003. The number of persons injured in these crashes continues to decline steadily as well.

This decline is due in part to the national campaigns by car insurance companies and other institutions aimed at increasing safety belt use and reducing impaired driving. Currently the seat belt law is mandated in all 50 states, which helped reduce the number of people killed in auto accidents in 2004. The countrywide campaign for drinking under the influence has also helped reduce alcohol-related fatalities for the second consecutive year.

Time plays a big part in accident rates.

Even with all these new preventive measures, accidents still are happening. This is why the focus has turned to on which days and at what time accidents are occurring. According to the NHTSA, Saturday and Sunday nights between midnight and 3 a.m. are the deadliest three hours on the road, with a total of 2,451 fatal crashes in 2004, 76 percent of which involved alcohol.

So you now know what time of day to avoid, but do you know which time of year? The Early Edition Report indicates that August topped the charts with the most fatal crashes in one month and December had the most overall automobile accidents, totaling 601,000- something to keep in mind during your vacation and holiday travels!

Your car can affect your car accident severity.

The vehicle you drive also can play a large role in your car accident. Passenger cars and light trucks accounted for nearly 95 percent of the 11 million vehicles involved in motor vehicle crashes in 2004. Large trucks only accounted for 15 percent of the vehicle accidents. In addition, we saw an increase in vehicles rolling over during an accident. Of the vehicles that rolled over, utility vehicles presented the highest rate at 36.2 percent in fatal crashes, 9.6 percent in injury crashes and 2.4 in property-damage-only-crashes. Regardless of the crash severity, the majority of these accidents occurred during daylight, in normal weather conditions, while the vehicle was going straight.

Protect yourself with auto insurance.

You can follow some simple safety measures while driving to reduce your risk of being involved in an accident. These include wearing your seat belt at all times, obeying the speed limit, being cautious of your surroundings and having auto insurance. By having at least the required state minimum amount of liability insurance on your auto policy, you protect yourself, your family, passengers and other drivers from incurring additional heartache and financial burden.

Request an auto insurance comparison today.

If you are in the market for auto insurance or would like to make sure you are receiving the best package for the price from a trusted insurance agency, logon to Insurance.com's auto quote comparison tool . There, you'll be able to compare car insurance rates from up to four top car insurance companies, co you can evaluate various premiums and find the best package for your overall needs.

Get an auto insurance comparison now at Insurance.com and find the best car insurance rates and discounts available, or call a licensed agent at 1-866-639-9201.

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