How Distracted Driving Affects Auto Insurance Rates

Driving is dangerous enough as it is. But getting behind the wheel without focusing is much more dangerous and deadly. According to the National Highway Traffic Safety Administration (NHTSA), over 3,500 lives were claimed due to distracted driving in 2021. 

Distracted driving is any activity that takes your full attention away from driving. The most common non-driving activities are using your phone and eating or drinking.

Accidents aren’t the only effect of distracted driving. Your auto insurance premiums will also increase by around 10 to 25% when you commit a violation while distracted. Note that this is just an estimate, and the figures can be higher or lower. Read this blog to learn what you need to know about distracted driving and its impact on your auto insurance. 

Types of Distracted Driving

When we talk about distracted driving, the first thing that comes to mind is texting. But there are many kinds of things that take your attention away from driving. Here are the three categories of distractions:

Visual Distractions

Even while stopped at a red light, you should refrain from texting or calling someone. Research shows that the brain remains distracted even after you put the phone down. Momentary use of your phone will reduce your focus on the road and the surroundings.

Aside from phones, devices in your car like GPS and built-in navigation systems can divert your attention. Anything that takes your eyes away from the road is considered a visual distraction and must be minimized.

Manual Distractions

If visual distractions take your eyes off the road, manual distractions are anything that takes your hands off the wheel. Multi-tasking while driving is very dangerous as it can reduce your reaction time. These are some behaviors considered manual distractions:

• Adjusting the radio
• Eating or drinking while driving
• Applying makeup
• Searching for your wallet or other items

Cognitive Distractions

While it’s not intentional, zoning out or daydreaming while driving is more dangerous than you’d think. Cognitive distractions take your concentration away from driving safely. Driving under the influence of drugs or alcohol is also a form of cognitive distraction.

In moments like these, drivers have slow reaction times and less awareness of their surroundings. When a driver's cognitive focus is not on the road, they ultimately increase their risk of accidents.

Distracted Driving’s Effects on Car Insurance Rates

Many insurance companies consider distracted driving as high-risk behavior. Depending on the state you live in, you’ll likely get a ticket for cell phone use and texting.

When you’ve received a ticket or violation, this can result in a substantial increase in your insurance premiums. Subsequent offenses will appear on driving records and be visible to your insurance company. 

Your driving history and accident history both play big roles in determining your auto insurance premiums. The more traffic violations you have, the higher your risk of filing a claim. In order to offset the risk, your insurance provider will raise your premium by a certain percentage.

Another factor that can affect your auto insurance rates is the severity of the accident. If you’ve been involved in an accident, your insurer will likely assess your overall risk profile. Past car accidents caused by distracted driving mean higher premiums to pay and limited coverage.

How To Avoid Distracted Driving

Let’s face it, distractions are everywhere. But safe driving habits are the key to staying focused while on the road. Remember that distracted driving puts your life and the lives of others at risk. Follow these simple tips to help you minimize distractions and pay attention to the road ahead:

• Set your GPS before driving
• Choose your music playlist before getting on the road
• Turn on the “Do Not Disturb” option
• Avoid eating and drinking while driving
• Limit passenger distractions in your car
• Take a break if you’re sleepy or drowsy
• Practice defensive driving
• Don’t engage in road rage

The Bottom Line

Before you pick up your phone while driving, consider the risks associated with distracted driving. At Local Retirement Group, we promote distraction-free driving to all our clients. As your trusted insurance agency, it’s our responsibility to keep our customers protected and well-informed. 

If you’d like  to learn more about auto insurance, contact us today. Our agents will help you get the coverage you need at a price you can afford. We look forward to hearing from you soon!