Safe Driving Awareness Month and Insurance

April is Safe Driving Awareness Month, a time to recommit to making our roads safer for everyone. The primary benefit of promoting safe driving is the well-being of ourselves and others, however there's another reason to prioritize safe driving: your wallet. Insurance companies reward responsible drivers with lower premiums, and a month dedicated to safe practices can be a springboard for long-term savings. 

The High Cost of Collisions 

Car accidents are expensive. According to the National Highway Traffic Safety Administration (NHTSA), in 2022 alone, crashes cost the U.S. an estimated $93 billion in economic loss. Insurance companies shoulder a significant portion of this burden, and to offset these costs, they base premiums on driver risk. The more likely you are to be in an accident, the higher your insurance rate will be. 

Distraction: The Silent Threat 

Distracted driving is a major culprit behind accidents. Texting, talking on the phone, eating, or even adjusting the radio can take your eyes off the road and your mind off the task of driving. The National Safety Council reports that distracted driving is a factor in approximately 28% of all crashes. By eliminating distractions and focusing solely on driving, you significantly reduce your risk of an accident and the potential for a spike in your insurance premium. 

Safe Driving: A Rewarding Habit 

The good news is that safe driving habits are rewarded by insurance companies. Many insurers offer discounts for good driving records, with some exceeding 20% for accident-free drivers. These discounts can translate into significant savings over the course of a policy. 

Beyond Discounts: Long-Term Benefits 

The financial rewards of safe driving are just one benefit. By adopting safe practices, you contribute to a safer driving environment for everyone. This includes: 

• Reduced Risk of Injury: Safe driving practices minimize the likelihood of serious injury for yourself, passengers, and others on the road. 
• Lower Stress Levels: Focusing on the road and avoiding distractions creates a calmer driving experience. 
• Less Wear and Tear: Smooth braking and acceleration reduce wear and tear on your vehicle, potentially saving money on repairs. 

Making Safe Driving a Habit 

Safe Driving Awareness Month is a chance to solidify safe practices into your daily routine. Here are some tips to get you started: 

• Put down the phone: Distracted driving is a leading cause of accidents. Keep your phone out of reach while driving. 
• Focus on the road: Avoid distractions like eating, grooming, or having loud conversations with passengers. 
• Maintain a safe speed: Always obey speed limits and adjust your speed based on weather and road conditions. 
• Increase following distance: Leave ample space between yourself and the car in front of you to allow for safe braking. 
• Buckle up! Seat belts are your best defense in a collision. Ensure everyone in the car is buckled up before starting the engine. 

By incorporating these habits and remaining vigilant throughout the year, you'll not only contribute to a safer driving environment, but you'll also be well on your way to reaping the financial rewards of safe driving. So, this April, buckle up for safety and savings and make every month Safe Driving Awareness Month.