Driving is often the most risky thing any of us do each day. But what factors make driving more dangerous? How can we reduce our risk and increase the chances of arriving at our destination safely? Read on to find out!
At least 77% of traffic accidents are the result of driver error.
43% of first-year drivers and 37% of second-year drivers are involved in car crashes.
The risk of crashing is even higher for younger male drivers.
The most dangerous driving habits include drunk driving, drug use, distracted driving, speeding, and aggressive driving. Each of these can make it much harder to control your car and react to dangers on the road. Even for a short time, these risky actions significantly increase your chances of a crash. Safe driving means staying focused, following speed limits, and never driving under the influence.
Cars and trucks are becoming safer every year, but if you're riding a motorcycle or walking as a pedestrian, you're at a much higher risk of serious injury or death in a crash. The safety of a vehicle plays a big role in how much damage occurs to people and property. That's why insurance companies take vehicle safety into account when determining how risky a driver is.
Where you live affects your car insurance cost. Busy cities have more accidents, so insurance rates tend to be higher. Areas with high rates of car theft or vandalism also face higher premiums. Bad weather and rough roads can lead to more crashes, which can raise your costs. Location is a big factor in determining driving risks, which is why every insurance company uses it to calculate how much you'll need to pay in premiums.
The more drivers on the road, the higher the chance of an accident. Even if you're a very safe driver, others may not be as careful. That's why car insurance costs more in big cities with heavy traffic than in smaller towns with fewer cars on the road.
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