People compare auto quotes all the time, going over the fine print of their proposed insurance agreements until that fine print becomes nothing more than a blur. But while there are many things that you can look for to ensure you’re getting the cheapest quote on auto insurance, it’s what you do behind the wheel that really has the biggest impact on how much you pay—as well as what you don’t do. Avoiding certain behaviors, like the ones below, are your best bet to avoiding accidents and securing a cheap car insurance rate.
- Reading at the Wheel: That’s right, reading at the wheel. You may be thinking to yourself right now (or even shouting it aloud) “Who the heck reads while they’re driving??” But the fact is, there are more people out there than you’d care to imagine who enjoy breaking up the monotony of a long drive by busting out their favorite paperback. If you absolutely have to keep up with the latest adventures of Harry Potter and friends, just make sure you’re listening to the audiobook while you drive.
- Working at the Wheel: The busybody never stops, even when it’s time to settle down and pay attention to the road ahead. Talking on the phone to clients, reading and responding to email, and jotting down notes are common activities of people who turn their cars into extensions of their office.
- Grooming at the Wheel: We’re all guilty of taking quick glances in the rearview mirror to make sure our hair isn’t too tousled, but the vast majority of us do this while stopped at a light, or waiting for a pedestrian to clear our path. And yet from time to time, you’ll actually witness people grooming themselves while in full motion, whether it’s the guy in the Camaro combing his hair or the lady in the Focus applying eyeliner at 65 mph.
You can compare auto quotes all day, but that fact is you’re probably wasting your time if you partake in any of the activities listed above. Sooner or later, your accident record will start to cost you heavily.