For some, cheap auto insurance is a pipe dream. Even teaming up with the best car insurance company in the world won’t save you from having to pay seemingly extortionate rates for coverage. In many situations, it’s not a case of you being a horrible driver—but the company that you keep while behind the wheel.
- Driving with Rambunctious Children: Okay, first things first. This isn’t an indictment of all parents out there who happen to have children who’d just as soon ride on the hood of your car as sit quietly in the backseat. Kids will be kids, we all know this. But failing to keep your little ones strapped down with seatbelts and proper child safety harnesses is asking for trouble that you don’t need. And if your younglings have a predilection for freeing themselves from car seats and the like, always pull over to reseat them. Never do this while driving.
- Driving with Pets: You’ve probably seen it before, some Joe driving down the street with a poodle sandwiched between the steering wheel and his chest. It might look cute, but it’s anything but safe. Even conscientious drivers who are dog lovers have a hard time witnessing this, as this not only puts the pet in serious harm, but also increases the likelihood that the driver will become distracted and lead to Poofy’s untimely end—or that of the rear bumper of the car ahead of them. If you have to bring along the pets everywhere you go, be sure to place them in a crate or kennel to limit the potential for accident and injury.
- Driving with Friends: In many states, it’s illegal for teenagers of certain ages to drive with more than one person in the car at a time. This is enforced because of the high rate of accidents caused by distracted driving. But you don’t have to be a kid to be easily distracted by a carload of passengers. If you have to cart a group of friends around, be sure to insist that they keep the noise level down so you can drive safely. You may come off like a square, but at least your driving record will stay clean.
Obtaining cheap auto insurance doesn’t have to be an impossible dream. Remember that it’s frequently the actions you take behind the wheel which lead to avoidable accidents and painfully high car insurance rates. If you take action now to clean up your driving habits, you’ll eventually be able to take advantage of good driver discounts.