Stop Paying Too Much for Insurance

car rear-endedOf the millions of car accidents that occur every year, tens of thousands can be tied directly to reckless driving behaviors. Whether you're in a rush or plagued by road rage, your recklessness endangers you and everyone else who shares the road. Not to mention, certain types of accidents (such as those caused by intoxicated drivers) or a record with multiple accidents within a short timespan can cue the state to require you to file an SR-22 form, which leads to much higher auto insurance premiums.

How can you avoid a premium spike? Always drive with safety in mind. If you feel reckless behaviors starting to come out on the road, remember these tips to calm back down before you cause a wreck.
  • Leave well in advance: Running late almost always leads to speeding and other reckless behaviors like weaving between lanes. By giving yourself enough time to get to your destination (with about ten extra minutes in case of traffic), you reduce your own likelihood of displaying these dangerous behaviors.
  • Stay alert: It's important to be aware of where other cars are in relation to your own, especially when changing lanes. Another way (and possibly the most important) of staying alert is to avoid using your cell phone while driving. A heated argument via call can cause erratic driving just as much as checking a text message. Phones should only be used when safely parked.
  • Keep road rage at bay: If you find it difficult to stay calm while driving, try listening to your favorite music or an audiobook so you have something else to focus on other than the traffic. Additionally, try taking a few deep breathes and relaxing your grip on the steering wheel to physically calm your body. Keeping a cool head reduces your risk of crashing.
  • Don't drive under the influence: Drunk driving has put so many people in danger and caused so many deaths over the years. A DUI conviction will almost always lead to an SR-22 status and possibly even worse punishments, like license suspension or jail time. Always assign a designated driver, call a cab or crash with a friend who lives nearby.
Actively taking steps to prevent a reckless driving accident significantly reduces your risk of needing SR-22 insurance. But we know that people make mistakes, and that's why we're here to help you find the coverage you need, even during the hardest of times.

We've got you covered. Call Auto Insurance Discounters at (816) 252-2255 for more information on Kansas City SR-22 insurance.
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