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Texting may increase your auto insurance rates

“R U coming 2nite?” “Y. C U L8R.” Even taking the time to type a short text on your smart phone while you’re driving can dramatically increase your chances of having an accident. Since your driving record affects your auto insurance costs, a fender bender can increase your premium. Even if you don’t have an accident, you could get a traffic ticket for texting while driving, which could also increase your insurance costs. So, if you’re interested in lowering your rates, put down your cellphone and get competitive auto insurance quotes.

How can texting increase your auto insurance rates?

Accident prone

A 2009 study showed that if you’re texting, you’re 23 times more likely to have a crash compared to drivers who aren’t distracted. That’s even higher than if you were talking on a cellphone. Cellphone users are four times more likely to have an accident, which is about the same rate as drivers who are drunk. Using a hands-free device is not a safer alternative. So, if you need to answer a text message or make a phone call, pull off the road. Having an accident could increase your auto insurance premium. If you want to lower your insurance costs, obtainauto insurance quotes to get the best rates.

texting may increase your auto insurance rates Though drivers face numerous distractions on the road – billboards, wildlife, school children, other drivers, etc. – a major distraction is cellphones. More than 275 million Americans own cellphones, and more than 80 percent of them talk on them while driving. Recent data suggest at least 1.6 million traffic accidents, or 28 percent of all crashes in the U.S., are caused by drivers who are either talking on cellphones or texting on them. More accidents involve talking on cellphones, because more drivers talk rather than text.

Texting bans

Twenty eight states, as well as Washington D.C., ban texting while driving. Some laws are tougher than others. More than 20 other states consider texting a primary offense. Washington recently passed a law making texting or using a handheld cellphone a primary offense. That means a police officer can give a ticket to a driver who is observed texting or holding a cellphone. You can get a traffic ticket, even if you’re spotted texting or reading e-mail at a red light.

The Senate Commerce, Science, and Transportation Committee recently approved a bill that would provide federal grants to encourage other states to enact distracted driving bills to discourage drivers from talking on their cellphones or text messaging on them. The senate has to approve the bill before it can become law.

Tips on how to stay safe while driving

Some insurance companies offer discounts to drivers with good driving records. If you want to be a safe driver, limit distractions while you’re driving. Keep your hands on the wheel and your eyes on the road. Allow voice mail to handle your calls and return them at your convenience. And if you need to answer a cell call or a text message, pull off the road to a safe area. Or, if you have a passenger, ask her to make or take a call for you. Or ask her to write or answer a text.

Find out other ways you can save money on your auto insurance at Once you have done your research, you are ready to get car insurance quotes. You can call agents in your local area, contact insurance companies directly or use to instantly get competitive auto insurance quotes from the nation’s leading insurance providers. Simply fill out a simple online form on to find the right insurance coverage at the best possible price. Take the time to protect you and your family today.

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