Car guarnatee & Cell Phones: Playing It Safe

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We've all been guilty of doing duplicate duty at one time or another--that is, talking on our cell phones while driving down the road. But as experts study the impact simultaneous conversing and driving has on our protection and car assurance rates, it is becoming more and more apparent just how hazardous doing both simultaneously indeed is.

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Inattention to driving is the whole one cause of auto accidents in the U.S., agreeing to experts. And drivers splitting their attention between driving and talking on cell phones are among the most inattentive, increasing their risk of accident four to five times more than average, agreeing to experts.

With over 200 million cell phone-holding drivers on the road, that presents essential danger.

And what part do these statistics play in car assurance rates?

Increased risk of accident means higher auto assurance rates; it's as easy as that. So if you want to keep your car assurance procedure affordable, don't use your cell phone while driving.

However, if you're one of those citizen who couldn't even think of jumping on the freeway without your cell phone in one hand and the wheel in the other, think these tips to help you do so more safely--and keep auto assurance rates low:

Know how your phone works before you get in your car. That way, you can use it without looking. Mount your cell phone where you can indeed reach and see it, and keep both hands on the wheel at all times. Use a hands-free headset whenever possible. Program frequently-called numbers into your phone's memory and/or use voice dial to sell out the whole of time you take your eyes off the road. When making ready to make a call, whether pull off the road, wait for a stop light, or ask a passenger to dial for you. If you decide to pull off the road, be faithful where you stop so you can protect yourself and your car from injury and accident. Don't use your cell phone in heavy traffic or bad weather. Don't take notes or look up phone numbers while driving. Having numbers pre-programmed and recovery phone messages for later is the safest way to talk, drive, and store the facts you need.

If you're a cell phone user and driver, limiting your phone use when on the road is the best way to play it safe and keep car assurance affordable.

So institution safe driving and make those calls later. You--and everybody colse to you--will arrive where you're headed safely!

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