Night Driving Dangers

A little extra caution can go a long way while driving at night

 

Summer has ended, and while fall and winter have their own pleasures — longer nights mean increased danger on the roads.

 

You might think you drive just as well at night, but consider this: Even though nighttime driving accounts for just 23% of vehicle miles traveled, more than 50% of fatalities for vehicle occupants 16 and older occur between 6 p.m. and 6 a.m., according to the National Safety Commission (NSC).

 

Because we’re big advocates for safety at Atlass Insurance Group, we thought it would be helpful to take a look at why night driving is more dangerous, and what you can do to decrease that danger.

 

What’s dangerous about night driving?

  1. Decreased vision. We won’t go into all the biological details, but different parts of the eye (such as iris, pupil and retina) work differently at night. Your peripheral vision is actually slightly improved, but it’s more difficult to focus on objects ahead of you. And traveling between well-lit areas and darker roads creates issues as well.
  2. Driving too fast for your headlights. Depending on vehicle speed and headlight setting, many people “over-drive” their headlights. That means, by the time they see something on the road, it’s too late to stop in time to avoid it.
  3. Impaired judgment. Whether due to drowsiness or the use of alcohol or drugs, it appears that drivers at night often don’t use good judgment. According to the NSC, 66% of fatalities at night involve vehicle occupants who weren’t wearing seat belts. 

 

So what do you do?

Sometimes, there’s no way around driving at night. So here are some tips to help you make a safe trip — whether you’re just running to the store, or you’re headed all the way to movies.

 

  1. Make sure your vehicle’s lights are in good working condition. And not just headlights, but turn signals, taillights, etc.
  2. Avoid speeding. Leave a bigger cushion between you and other cars than you would during daylight hours. Leave yourself more time for the trip.
  3. Be more aware of your surroundings. You shouldn’t be using your phone, messing around with the radio or trying to find something on the floor while you’re on the road anyway — and distractions are even more deadly at night.

 

Of course, if you’re not comfortable driving at night, the best thing is to avoid it altogether if possible. There’s nothing wrong with asking for a ride from a trusted safe driver or waiting for the sun to come out!

 

We’re open all day!

When you’re driving around during the day, stop in to Atlass Insurance Group for a review of your coverage. We won’t keep you after dark, we promise. Just give us a call at 800-959-3313. We’re here to help!

What Increases Auto Insurance Costs?

 Most people are asking I want low auto insurance rates, cheap car insurance- when they are doing everything on the road which increases their auto insurance rates. It is always good to approach things from all angles to get optimum results. Like stop doing things which increase the rates, and start doing things which would lower the rate. Yes, we will discuss the other approach of doing things to get low auto insurance rates- but let me tell you that what brings 80% results of cheap car insurance or lower auto insurance is :

Compare auto insurance quotes. Yes, you need to do this one thing over and over again to get optimum results again and again at each renewal and mid-term.

 

What increases auto insurance costs?

Lets see the details of what can increase your auto insurance costs.

Driving today can cost a lot, but there are some actions that will increase auto insurance costs. Getting the best deal on any insurance policy is important and you may invest plenty of time and effort to find that deal. You need to know what might end up costing you more money and making all of that effort pointless.

1. Filing claims – the more claims you have on your insurance policy then the higher your liability becomes. Insurance companies will adjust your premium costs to cover that added liability or they may end up just dropping you from coverage entirely. Keep in mind that a number of claims may also make it difficult to find new coverage.

2. Driving more – the number of miles that you put on your vehicle each year will have an effect on the amount you pay for your insurance. Companies know that the longer you are behind the wheel then the greater your chances for being involved in an accident.

3. Dropping other insurance policies with the company that holds your auto insurance – most companies offer a discount for having multiple policies through the same company. If you choose to change one policy then it can have an effect on any other policies that the company still maintains.

4. Moving to a new location – where you live can have one of the biggest impacts on your auto insurance costs. You may be able to offset the rise in a premium by investing in new security for your vehicle or finding a secured location to park the vehicle when it is not being driven. You will also need to be aware of the weather pattern in the new location. A bad weather history can mean higher potential costs for insuring your vehicle in your new community.

5. Changing jobs – some professions are just considered more risky than others. Insurance companies view your job or employment as an indicator of what type of driver you are likely to be. The more dangerous the job and the more of an adrenaline rush it causes then the more the insurance company suspects you will be an adrenaline driver.

6. Getting a new car – the newer the vehicle then the more it will likely cost to insure that vehicle. Choose a car that has more safety features and that ranks well on safety tests if you want to balance the higher cost of a premium for a newer car with the discounts the safety will afford.

7. Traffic violations – how you drive will determine how the insurance company will cover the driving that you are going to be doing. Moving violations (like speeding or driving distracted) can inflate the expense of insurance. Put your cellphone away when you are behind the wheel so that you are not even tempted to talk. Keep your eyes on the road and your mind on your driving. Keep your foot light on the gas pedal. Stay focused on the job at hand and you will be more likely to avoid getting a ticket that will cost in a fine and in the higher insurance premium that will come with it.

Little changes can add up to big expenses when it comes to auto insurance. Be aware of the actions that will increase your auto insurance to be sure that you keep the best premium rate possible.

Rhode Island 8.0 Auto Insurance Discounts

Progressive now offers Rhode Island customers more discount options for auto insurance.

  • Good Student Discount – This new discount is for youthful drivers who are on their parents’ policy and they maintain a 3.0 gpa or who meets some scholastic ranking criteria.
  • Education Discount – A new discount with lower reates for customers based on their education levels including: vocational/trade certificates (including military training(, college degrees or those pursuing a college degree.
  • Comp and Collision Options – A new option that offers no deductible glass coverage and $2,000 Comprehensive/Collision deductible.
  • Rental – A new feature with a $50 per day rental option for customers who want more choices from their rental coverage.
  • Advance Quote Discount – No longer remove the discount at three years and this applies for as long as the customer keeps the auto policy.
  • Snapshot – A new discount is our biggest yet, up to 30 percent for good driving habits. There’s no GPS, surcharge or device fees.

Have us provide you an auto quote today. Click here for your auto quote.