As stated, car insurance companies are interested in this study and others like it. Their business is based on risks. As such, they are using studies like this one to see whether or not the results can be used to raise car insurance rates for drivers who are caught in a distracted state while they are driving.

What that means is that, someday quite soon, you may be in danger of extremely high rates if you are caught texting while you are driving. Every time another accident occurs because a driver is sending or receiving text messages, the risks of this become significantly higher.

There is, of course, an easy way to avoid this as an individual: do not text while you are driving. Just don’t. Nothing can be that urgent, and if it is, place a call and put the phone on speaker or use a headset instead. It must be said, however, that you will be safer still if you leave your phone alone until the car is safely in park somewhere.

Just recently, VTTI — the Virginia Tech Transportation Institute — put together a study devoted to text messaging … and car insurance companies happen to be very interested in that study, in terms of how texting while driving will ultimately affect the car insurance industry.

Those who text while driving are twenty three times more likely to have a collision than drivers who are not texting.

A number of other studies combined with this one show that out of one hundred percent of all traffic accidents, seventy one percent of them involve drivers who are basically not driving because they are distracted by something else.

Now, we all know that the safer you are, the more your car insurance company approves. They want you to be safe. You pose less of a risk this way. Given the findings in the study by VTTI, what do you think the implications are going to be on car insurance rates?

There is really no doubt about the fact that texting has become the end all, be all in communication. Where once we were all tied to our computers so we wouldn’t miss a single chain letter email or funny video, these days we are not comfortable unless we have our cell phones are strapped to our hands.

But consider this: it was just a few years ago that cell phones got to be such a problem for people driving and talking that many areas instituted laws that demanded you not talk on the phone unless it was hands free.

It makes one wonder how people think it is safe to text and drive. Of course it isn’t safe. More and more accidents are occurring because the drivers are too busy sending texts to pay attention to the road.

In addition to being outright lethal, this little technological phenomenon could start costing you very dear — thanks to your car insurance rates.

Now that we have talked a few different ways that you can drive safer, let’s go ahead and talk about a few things that you should be aware of.  First and foremost, the other cars.  Honestly, you are not the only person on the road and while you might be driving safely, you might be the only one driving safe.

Next, you want to be aware of the weather – which is something that a lot of people aren’t aware of.  For example, making sure that if it is raining or snowing, you slow down and really, really pay attention to everything that is happening on the road.

Driving safely is not difficult, you just need to make sure that you keep your eyes on the road and your attention focused.

Driving safer is not something that is all that easy in the beginning, especially if you are a very, very aggressive driver.  However, it is something that you can change about your driving style, you might not be able to do it yourself though – keep that in mind.  For example, you may have to take some defensive driving classes in order to switch up your driving style.

Another fantastic way to avoid car accidents is making sure that you keep a long length between you and the car in front of you.  For example, at least two car lengths is the norm but if you keep three – that will make you that much safer.

In the next blog, we will talk about the weather and how you should be aware of your surroundings.  Stay tuned!

We all know that when you are in a car accident – your car insurance rates go up.  What you might not know is that car accidents usually come about from people driving extremely aggressive and/or not paying attention.  While these seem like easy fixes, they really aren’t and in the next few blogs – we are going to touch on what you need to do to avoid car accidents.

First and foremost, you need to make sure that you are never, ever drinking and driving as that can definitely muddle your vision and your mind and not make you pay attention.  Next, you want to minimize your distractions.  This includes your cell phone, as that is the number one causer of car accidents.

In the next blog, we will talk about how you can become a defensive driver versus an aggressive driver.

Let’s go ahead and head over to a car insurance company that honestly … I am not super familiar with.  This particular car insurance company has actually been around for quite a while – since 1955, but honestly, not that many people have heard of it.  The Infinity Auto Insurance Company does however, have over 2,300 employees and more than $1.5 billion in assets.

Infinity Auto Insurance Company is a company that cares about their employees as well as their customers and they have a very, very long history of customer service.  They actually continue to grow into a bigger and bigger company because of their customer base – so that is something to keep in mind.

However, do some more research on Infinity Auto Insurance Company – I know it’s a great company, but it is one that you might want to read up on.

Now that we have talked about 21st Century Insurance Company, let’s go ahead and talk about Esurance Insurance Company.  This is an insurance company that is actually fairly new in the insurance market, but it certainly has made some ground and has actually been one company that has been on the top. 

What most people don’t know is that Esurance Insurance Company is actually a member of the White Mountains Insurance Group, which is a company that has over 100 years experience and more than $19 billion in assets.  That is a lot of money and experience behind this little online insurance company.

The reason for Esurance Insurance Company is actually because they wanted people to be able to have access to their car insurance via the internet – to save time and money.  Really, it’s actually a good company and one worth taking a look into.

Car insurance companies are difficult to come by and difficult to truly know and understand.  That is what we are here for though, to help you understand your car insurance company and make sure that you choose one that is going to fit into all of your needs.  Let’s go ahead and talk about 21st Century Insurance as a company first.

21st Century Insurance is actually an insurance company that has been serving insurance needs of individuals for since about 1958.  They have actually focused their insurance needs on families and on individuals, so that truly makes this particular company a good one. 

They also have a really unique and difficult service which is included in every single policy – free of charge and that is the 21st Century Insurance Advantage which offers 24-hour Roadside Assistance, Identity Theft Restoration Service and Emergency Medical and Travel Assistance.

Finding a mechanic is a stressful process but one you have find out, you want to make sure that you take a little tour of the shop where they work.  This can honestly tell you a lot about where the mechanic works and what type of work ethic they have in the shop.

You want to look at the equipment to see if it is up to take and if they have certified technicians.  You also want to make sure that the staff is helpful and courteous and that the shop itself is neat and organized.  While these might seem like mundane things, they are actually really important.

Next, you want to test the shop – send one of your friends to see how they treat women and men differently – if they do, you will tell that this is not the shop for you.