Do Distractions Affect Your Los Angeles car insurance? | Los ...

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Let’s be honest here, how many things do you do when you should only be paying attention to driving your car. We all sing along with the radio, drink some coffee or chat to our friends either in the car on the phone (hands free of course).

Because driving a car is such a basic skill that everyone can do we don’t think as much as we should about the fact that when we drive a car we have a weapon in our hands that can easily hurt us and others within seconds.

And because people don’t like to admit they were drinking coffee or using the phone when they get into an accident there is no real data but if nobody was distracted there wouldn’t be so many accidents.

But being distracted when you drive affects your Los Angeles car insurance too. This article will explain more:

DRIVING DISTRACTIONS AND YOUR INSURANCE RATES

If you can cut back on everyday driving distractions, it will certainly help you save money on car insurance. The average auto insurance rate increases 22 percent after the first accident and 13 percent after the first driving ticket. You can avoid these expensive mistakes by eliminating some usual driver distractions.

Anything that takes your eyes off the road and/or your hands off the wheel can lead to a car crash and to higher car insurance rates. Eight out of ten drivers who own a cell phone admit they talk while driving, and 18 percent admit they text while doing it, according to a 2008 Nationwide Mutual study. In fact, 45 percent of drivers in that survey reported they were involved in an accident of some kind with a driver who was using a cell phone.

While only 3 percent of the respondents said they used to eat while driving, that is the most dangerous distraction for a driver. Drive-thrum is very tempting when you’re in a hurry, but you should avoid these three dangerous food groups while driving:

• Hot: hot chocolate, hot coffee or a soup-to-go can spill or burn your mouth in a split second. Have you ever heard of a travel lid that doesn’t leak?

Read more...

Insurers envision omniscient cars

23.09.11

CHICAGO — A few months ago, Saman Jayasekara was shopping online for cheaper car insurance when he came across a new product from Progressive Corp. that offered him the chance to save as much as 30 percent.

But there was a catch. He would have to install a device in his Hyundai Sonata that would monitor his driving habits, such as when he drove, miles driven and number of sudden stops. Progressive would analyze the data to determine whether he deserved a discount.

Jayasekara, a software programmer in New Jersey, enrolled, and after a month he received a 23 percent discount, which could save him hundreds of dollars a year.

“Everybody is scared of being monitored,” Jayasekara said. “But I’m happy with my discount.”

Progressive was one of the first insurers to venture into what people in the industry call “usage-based” or “pay-as-you-drive” insurance. State Farm and Allstate Corp. have similar programs. Evaluating actual driving data is considered a more precise way to gauge risk compared with traditional pricing methods that factored in, such as age, gender and marital status.

Source: The Republic

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