Thousands of car accidents happen every day. Some are minor fender-benders, while others are devastating, fatal crashes. Even if you walk away from an accident with no injuries and little damage, your car insurance rate will likely soar. To avoid a sky-high bill, drivers can learn to practice defensive driving. Here are a few tips to keep in mind.

A Guide to Defensive Driving

1. Plan Ahead

Defensive driving begins well before you even get in the car. Before your journey, check the weather and traffic conditions to allow plenty of time to reach the destination. Speeding and other risky driving maneuvers increase the risk of getting into a collision. Additionally, examine your vehicle to ensure the lights, brakes and windshield wipers are functioning properly. 

2. Eliminate Distractions

Distracted driving is one of the leading causes of car accidents. The National Highway Traffic Safety Administration defines it as any activity that diverts attention from driving, including using texting and talking on a phone, eating and drinking, adjusting the radio, grooming, and interacting with passengers. Eliminate these distractions by turning off your phone, pulling over to eat or drink, shutting off the entertainment system, and asking passengers to refrain from engaging you in conversation. 

3. Leave Space

Maintaining adequate distance from other vehicles on the road is a key tenet of defensive driving. One of the most common accidents covered by car insurance claims is a rear-ender caused by tailgating. Most experts would recommend you keep about 3 seconds between your car and the one in front of you. This amount of time should be increased in darkness or poor weather conditions. If the other driver brakes suddenly, you will have ample notice to react. 

4. Stay Vigilant

In addition to eliminating distractions, staying focused and vigilant can help you avoid a crash. Check your mirrors, look ahead for potential hazards, read road signs and warning bulletins, and monitor other vehicles. If you witness risky behavior from another driver, such as weaving or excessive speeding, slow down and move away from them. You may even need to take the next highway exit or pull over on the shoulder. Contact the authorities if you see anything dangerous that could cause an accident. 

When you need affordable car insurance, count on the knowledgeable agents at Edwards Insurance Agency. They provide an expansive selection of car, home, truck, RV, and farmer's insurance options for residents of Sparta, WI, and those across Wisconsin. The agents take the time to understand their clients' individual circumstances and offer customized solutions at the best rates. Call (608) 269-4512 to discuss your insurance needs, or visit their website for more information.