Bonehead Moves to Avoid When You’re Behind the Wheel, Part 1

GroomingPeople 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.

Don’t Get Stuck With an Old Car Insurance Rate for a New Car

For A New CarWhether it’s your first car, or one of many over a lifetime, when you get a new car there’s an undeniable rush of excitement. But don’t let excitement turn to haste when agreeing to car insurance rates. Even if it seems like the simplest thing in the world to call your current insurance carrier and just transfer your policy to your new car, it might not get you the best car insurance rate.

Get Quotes for Auto Insurance
Take a bit of time and get quotes for auto insurance from other carriers than your current one. If your new car has better safety equipment and an anti-theft device, you’ll notice it in your car insurance rates. You should also check to make sure all of your personal information is up to date, such as your address and how many miles you drive each week. A move from the center of a city to a small town fifty miles away can lower your car insurance rate, but if you’re driving more miles to work, it will increase.

Compare Car Iinsurance Rates
The easiest and most convenient way to find affordable car insurance rates is with online comparison sites. Online comparison sites allow you to enter your personal information and details about your vehicle, and provide you with quotes for car insurance rates so you can choose the one that works best for you. Comparison auto insurance sites often feature special online discounts that can save you lots of cash, and also allow you to buy the policy of your choice when you select the car insurance rate that’s right for you.