The holiday season is a time of joy, celebration, and, unfortunately, increased road hazards. At Total Insurance in Kennesaw, Georgia, we recognize the importance of safe driving during this busy time of the year. Here are some tips to help you stay safe on the roads and potentially keep your car insurance premiums low.
Understanding the Risks of Holiday Driving
Holiday driving has challenges such as increased traffic, winter weather conditions and distracted driving. These factors can contribute to a higher likelihood of accidents.
Adopting safe driving practices is crucial, especially during the holidays:
- Plan your travel. Avoid peak travel times to reduce the stress of heavy traffic.
- Take your time. Plan to stop for fuel and rest. Give yourself extra time to arrive at your destination to help avoid the temptation to drive too fast.
- Prepare your vehicle. Have your mechanic check your brakes, top off your fluids and look for signs of potential trouble before you travel.
- Stay alert. Long drives can be tiring, so take regular breaks to stay focused.
- Watch the weather. Be prepared for winter conditions by checking the weather forecast and road conditions before you travel.
- Avoid distractions. Keep your focus on the road. Refrain from using your phone or other devices while driving.
- Pack an emergency kit. Keep prescription medications, bottled water, warm clothing, a power bank for your cell phone and nonperishable snacks on hand if you are stranded or stuck in traffic.
- Stay in touch. Let someone know when you leave and when you plan to arrive at your destination.
How Driving Habits Affect Insurance Premiums
Safe driving during the holidays is not just about avoiding accidents—it can also positively impact your car insurance premiums. A history of safe driving can be favorable when calculating your insurance rates. Some insurers offer discounts for drivers who consistently practice safe driving habits.
Generally, a lower risk of filing a claim can contribute to lower car insurance premiums.
Why Choose Total Insurance?
Safe driving is essential during the holiday season—not just for your safety and others on the road but also for maintaining affordable car insurance premiums. At Total Insurance, we are committed to helping you get appropriate auto insurance with favorable rates. Our team can provide a personalized auto insurance quote and advice on how safe driving can influence your insurance costs.
This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.