According to the National Safety Council, a preventable accident is one in which the driver failed to do eve rything that reasonably could have been done to avoid the crash. Experts agree that driving defensively is your best bet at making sure a crash, collision, or accident doesn't happen to you. We've already discussed the basic concepts behind defensive driving, which include scanning and visualizing everything, having an escape route, and not becoming distracted. Now let's consider some more advanced, preventive measures a responsible driver can take to avoid a potentially life-threatening crash.

 

Maintain Your Car

 

Regular maintenance on your car significantly helps its road performance, especially in potentially hazardous driving situations. You can't drive a car defensively if its tires are in need of air, windows, rearview mirror, and signal lights are dirty, and brake pads are worn to shreds. Here are a few steps you should take to keep your car running safely and efficiently:

  • Check Your Tires Make sure your tire pressure is where it should be. The recommended pressure for your car's tires will be in your owner's manual or in the driver's side door jamb. When it comes to purchasing new tires, take into account the weather in your part of the country. Four snow tires total is the safest way to go if you anticipate driving in snow and ice.
  • Align Your Tires If while driving your car seems to drift to one side or the steering wheel vibrates, you may need to have the tires aligned. Alignment actually refers to a car's suspension, which can move out of alignment over time due to normal driving, a minor accident, or bumping against a curb. Check your owner's manual to see how often your car's manufacturer recommends aligning your car's tires. Alignment helps to insure better handling, which is crucial for good defensive driving, as well as better gas mileage.
  • Clean Your Car A dirty windshield or rearview mirror will prevent you from scanning and visualizing the road for potential dangers. And grimy signal lights or head lights will prevent other drivers from seeing you in bad weather or at night, which pretty much negates any effort you make to be a good defensive driver.
  • Change Your Brake Pads If when braking, you hear squeaking or grinding, your brake pads may be worn out and in need of replacement. Knowing how and when to brake, especially in inclement weather, is a crucial skill for defensive driving. If you have an antilock brake system and need to stop in on an icy road, stomp on the pedal and when you feel the system's pulses or hear it working, ease up a bit on the pedal until it's only pulsing about once a second. If you don't have ABS, you should push the brake hard and when the wheels stop turning, lift your foot so the wheels turn and rapidly press the brake again.
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Other Advanced Defensive Driving Tips

  • Yield, Move, Get Out Of The Way Driving defensively for the most part involves avoiding overly aggressive drivers. It may be frustrating to just step aside in order to give a bad driver room to do whatever they want, but it is the safest thing to do, not only for yourself but for everyone else on the road. When you encounter a speeding driver pressuring you to go faster, move into another lane, even if it means going slower. As a defensive driver, accept the fact that you may have to sacrifice your right of way in order to avoid a speeding ticket or collision.
  • Plan a Route To avoid a time-consuming and potentially dangerous drive, plan out your route out in advance based on current weather, traffic, and road conditions. Local websites, radio, and even iPhone apps can provide you with the information you need before you hit the road and find yourself navigating road construction or an end-of-the-week traffic jam.
  • Take a Course There's nothing wrong with taking a driving course to brush up your skills, even if you've been driving for years. Check with your agent to see if completing a driving course will give you discount on your car insurance or on roadside assistance plans.

We go above and beyond to make sure you're protected. From coverage like New Car Replacement, which is included on all car insurance policies, to Unlimited Rental Coverage, which you can choose to add to your policy whenever you'd like, we want to make sure you're confident in the coverage you choose.

Get the protection you need at a price you can afford. When you get an auto insurance quote today, we'll help you get all the discounts you are eligible for and can customize coverage for a perfect fit. We even offer specialized car insurance for your antique or classic car. As you select coverage, remember that your premium will reflect the coverages and coverage amounts that you select. For example, if you select lower coverage amounts, you may pay a lower premium but may need to pay more out of pocket in an accident.

Shopping for coverage online is a perk of modern living and enables you to find the best car insurance policy to suit you. If you're looking to save time, hop into our online quoting feature. Here you just need your name, date of birth, and address to get your quote.

Or, if you want to enter your info manually, try to have the following info handy:

  •     Vehicle identification number (VIN) for all your cars
  •     Drivers license numbers for you and other drivers in your household
  •     Your social security number
  •     Loan/lease information for the cars or trucks you want to insure
  •     Info from your current policy (if you have one)
  •     Car make, model, and year
  •     Driving history (past violations, accidents, etc.)
  •     Info on aftermarket accessories installed in or on the vehicle
  •     Address where the vehicle is garaged
  •     A credit card or debit card, or checking/savings account info

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