How road rage can affect car insurance rates

How road rage can affect car insurance rates

Road rage is regrettable, you know that. What you might not know is that both succumbing to and avoiding road rage can impact what you pay for car insurance. We’re here to explain — and even give a few tips on finding your inner Zen the next time someone cuts you off.

A rapid road-rage review

For that first driver in existence, nothing was more relaxing than a drive through the countryside. But along with the inevitable second driver came traffic, accidents, stress — and road rage. Though this phenomenon probably isn’t new to you, it helps to review.

According to the National Highway Traffic Safety Administration, road rage is subtly different from aggressive driving. Aggressive driving violates traffic laws, whereas road rage involves more serious criminal actions that knowingly endanger other drivers and passengers. Running a red light to make a date is aggressive driving — running that light to tailgate a car you think cut you off is road rage.

The AAA Foundation for Traffic Safety places aggressive tailgating, headlight flashing, and deliberately blocking other cars among the most frequent expressions of road rage.

How road rage can impact your premium

The primary reasons to avoid road rage are safety and general decency. A little further down the list is controlling what you pay for car insurance.

Because your car insurance rate is partly determined by your driving history, a road-rage incident, when it shows up on your record as a criminal offense, is a serious red flag. Insurers may charge more for the policy to cover the added risk posed by a driver with any kind of criminal driving history.

Road ragers may also have difficulty getting full payouts for their car’s damages. Most insurers restrict coverage for deliberate or reckless actslike road rage.

On the flip side, drivers who abstain from road rage will probably have a better shot at avoiding needless accidents.

How to avoid road rage (with advice that’s sage)

There’s a lot of well-worn guidance on road rage: don’t retaliate, don’t take it personally, get plenty of sleep, etc. While valid, you’ve probably heard it all before.

So here are a few pointers you may not have considered to help keep aggressive drivers at bay and stop you from becoming one yourself.

  1. Leave space to pull around the car in front of you. Seems simple, but in heavy traffic, people tend to drive bumper-to-bumper. Leaving some wiggle room can reduce vulnerability if the driver in front of you gets aggressive.
  2. Ease your grip on the wheel. All that churning of the steering wheel, according to the AAA Foundation for Traffic Safety, can cause headaches, making a bad situation worse.
  3. Crank some tunes, not the engine. Instead of listening to your own muttering, try listening to music as it can help keep you calm.

Source: http://www.esurance.com/safety/road-rage

 

Advertisements

One thought on “How road rage can affect car insurance rates

  1. Thanks for the tips you have shared here. Additionally,
    I believe there are several factors which really keep
    your car insurance premium down. One is, to bear in mind buying automobiles that are inside good
    list of car insurance providers. Cars which have been expensive are usually more at risk of being stolen. Aside from that insurance
    coverage is also based on the value of your car or truck,
    so the higher priced it is, then higher the premium you only pay.

    I have seen that car insurance providers know the cars which are liable
    to accidents along with risks. In addition, they know what kind of cars are susceptible to higher risk and the higher risk they may have the
    higher a premium fee. Understanding the very simple basics associated with
    car insurance can help you choose the right form
    of insurance policy that could take care of your requirements
    in case you happen to be involved in any accident. Thanks for sharing
    the actual ideas on your blog.
    Thanks for your post. I’d like to write my opinion that the price of car insurance varies from
    one coverage to another, due to the fact there are so many different issues which contribute to
    the overall cost. As an example, the make and model of the motor vehicle will have an enormous bearing on the charge.
    A reliable old family vehicle will have a more economical premium than a flashy expensive car.

    Thanks for the various tips discussed on this site.
    I have seen that many insurance agencies offer buyers generous special discounts if they opt to insure more and
    more cars with them. A significant number of households possess several
    autos these days, in particular those with elderly teenage
    children still located at home, and the savings upon policies can certainly soon begin. So it pays to
    look for a bargain.
    One thing I would really like to say is that often car
    insurance cancellations is a terrifying experience and if you’re doing the appropriate things like a driver you may
    not get one. Many people do obtain notice that they are
    officially dropped by the insurance company and many have to struggle
    to get more insurance after having a cancellation. Affordable auto insurance rates tend to be hard to get
    from a cancellation. Knowing the main reasons for auto insurance canceling can help motorists prevent getting rid of in one of the most vital
    privileges available. Thanks for the suggestions shared
    through your blog.

Leave a Reply

Fill in your details below or click an icon to log in:

WordPress.com Logo

You are commenting using your WordPress.com account. Log Out / Change )

Twitter picture

You are commenting using your Twitter account. Log Out / Change )

Facebook photo

You are commenting using your Facebook account. Log Out / Change )

Google+ photo

You are commenting using your Google+ account. Log Out / Change )

Connecting to %s