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As a car insurance buyer, it's important to be aware of how you can help keep your rates low. One way to do this is by driving safely and avoiding accidents. In addition to obeying all traffic laws and maintaining the speed limit, these safe driving tips covered in the article can help keep you and your loved ones safe on the road.

Here are some tips for staying safe on the road.

KEY TAKEAWAYS
  • Having a safe driver profile helps you lower car insurance rates and save money.
  • You can become a safe driver by following tips such as -
    • fastening the seat belt properly 
    • Not driving while sleepy
    • Not driving during bad weather
    • Not driving one-handed
    • Not texting or calling while driving

Avoid driving during bad weather

In any kind of stormy weather, the key to driving safely is to slow down. Here are some more tips:

  • Fog: Avoid driving in fog. If you can't, set your headlights on regular (or low beam). If visibility becomes so poor that driving safely becomes impossible, pull as far off the road as you can and stop.
  • Rain: Keep your windows from fogging up by using the defroster or air conditioner (if necessary, open the window slightly). Turn your lights on, day or night.
  • Snow or ice: Brake gently and early, turn cautiously, and increase your following distance. And be alert for changing road conditions (such as patches of ice or slippery snow).

Be watchful while crossing an intersection

Don't pull away from a sign or a light until you're sure other drivers are stopping or yielding. Wait a few seconds after a light turns green before proceeding to protect yourself from a driver running a red light.

Maintain sufficient distance between you and the vehicle ahead of you

Drivers commonly tailgate because they underestimate how much stopping distance they really need. In general, under good weather conditions, you need to keep at least three to four seconds between you and the car ahead of you if you're going below 40 mph to avoid traffic crashes.

Avoid one-handed driving

Don't drive one-handed because if you're hit unexpectedly, you might lose control of your vehicle. Place both hands in a comfortable position on opposite sides of the steering wheel. And look ahead to anticipate obstacles you may need to steer around.

Don’t drive when you’re sleepy

Falling asleep at the wheel can occur at any time, but it's especially common late at night or early in the morning. If you find yourself getting sleepy at the wheel, try:

  • Pulling over in a safe place and taking a break until you feel more alert.
  • Opening a window for the breeze (or turning on the air conditioner if it's hot outside).
  • Sharing the driving with someone else, especially if you are on a long trip.

Avoid drunk driving

It is best not to drive when drunk, as balance and speech are not the only things affected. Drinking alcohol also affects your judgment and reaction time making a drunk driver extremely dangerous for you and other drivers.

Practice defensive driving

Defensive driving is essentially adopting safe driving strategies which help drivers to predict any identifiable hazards while on the road. It is good to practice defensive driving as it reduces the points on your driving license if you have any driving tickets and ensures no increase in insurance rates.

Refrain from texting or calling while driving

People who talk on cell phones or text while driving are more likely to have accidents. If you must use your cell phone when you drive, use a hands-free device. But if the conversation is complicated or emotional, pull off the road to a safe location to talk.

Get your tire pressure checked regularly

Keep an inexpensive tire gauge in your vehicle and check your tire pressure every time you get gas (you can usually find the manufacturer's recommended pressure inside the door of your car or in your owner's manual). And inspect your tires regularly to spot cracks, bulging, worn spots, or shallow tread. Accidents caused by tire failure are preventable if you keep a close watch on your tire health. 

Be sure to wear your seat belt properly

You must wear your seat belt regularly. If not, it may not protect you in an accident. Fasten lap and shoulder belts snugly, wearing the lap belt on your hips, not on your stomach. And wear your seat belt even if your car has an airbag. The airbag won't protect you from being thrown around or out of the car in an accident.

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