teen driverThere are many factors that can have an effect on the premiums you pay for Dallas auto insurance. Your address, the car you drive and even your occupation are all taken into consideration when a premium is calculated.  However, perhaps the most significant contributing factor in determining how much you pay for your auto insurance is your driving history.  Good drivers who very rarely make claims - or have claims made against them - will be rewarded with significant reductions the cost of their insurance.  There are three major changes you can make to your driving style that will minimize your chances of becoming involved in an auto accident, and that is the best way to reduce your insurance commitments.

Keep Your Distance!

Let's face it; most of us have been guilty of tailgating at some time during our driving careers. You're late for work, the air-conditioning isn't working, and the old lady in front of you is driving across two lanes at 25 miles per hour - we've all been there!  You simply can't resist getting as close as you possibly can; a gentle reminder that the speed limit is actually 50 miles per hour. However, unless there is evidence to the contrary, you will be held accountable by insurance assessors should the old lady suddenly brake, causing you to travel straight into her.  A good rule of thumb involves staying at least five car-lengths away from the vehicle ahead.

Use Your Cruise Control

Most of us drive too fast without even noticing it; this is more likely during long journeys on quiet roads.  However, traffic cops don't care how long your journey is, or whether or not the road is completely deserted.  A speeding ticket will result in points being applied to your driver's licence, and that will alert your insurance company of the increased risk you pose.  Set the cruise control to the legal limit, and relax in the knowledge that your speed won't gradually creep upwards.

Lose the Cell Phone!

A hands-free kit is a must; however, there are some driving experts who believe even they increase the risk of an accident on the road.  Many drivers start a journey with the best of intentions, and they put their cell phone away before firing up the engine.  The temptation to answer a call, however, is often far too great.  Most U.S. states are taking an increasingly dim view of people who use their hands to take a call while driving, and such an action will likely results in insurance-busting points being added to your driver's licence!  Place your cell phone in the trunk before starting your journey.  

For the most competitive insurance quotes, call Americo Direct Insurance toll-free at 214-374-9997 today.  Our team of auto insurance specialists are ready to provide you with a free, no obligation quote.
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