Distracted driving is one of the leading causes of car accidents in the U.S., and April is Distracted Driving Awareness Month—a time to recognize the dangers of inattentive driving and take steps to prevent it. In Ohio, distracted driving poses a significant risk to motorists, and it can directly impact your car insurance rates in Springfield, Ohio. Understanding how distracted driving affects insurance premiums and coverage can help you stay safe on the road while keeping your costs down.
What is Distracted Driving?
Distracted driving includes any activity that takes your attention away from driving. The most common distractions include:
- Texting or using a phone
- Eating or drinking
- Adjusting the GPS or radio
- Talking to passengers
- Personal grooming, such as applying makeup
Even a few seconds of distraction can have severe consequences. According to the National Highway Traffic Safety Administration (NHTSA), sending or reading a text takes your eyes off the road for about five seconds—enough time to travel the length of a football field at 55 mph.
How Distracted Driving Affects Car Insurance in Springfield, Ohio
- Higher Insurance Premiums
If you receive a ticket for distracted driving, it can lead to an increase in your car insurance rates in Springfield, Ohio. Insurance companies view distracted driving violations as a high-risk behavior, meaning you may see your premiums rise significantly. - Potential Policy Cancellations
In some cases, repeated distracted driving offenses could lead to your insurer canceling your policy. High-risk drivers may have fewer insurance options and face higher rates when looking for new coverage. - Accident Liability and Claims
If you cause an accident due to distracted driving, you may be held liable for damages, which can result in costly claims. Your car insurance policy in Springfield, Ohio may cover the costs, but repeated claims can increase your premiums and affect your insurability.
How to Prevent Distracted Driving
To protect yourself, your passengers, and others on the road, consider these simple steps to reduce distractions while driving:
- Put your phone away – Use hands-free options or enable ‘Do Not Disturb’ mode while driving.
- Plan your route in advance – Set your GPS and music before you start driving.
- Eat before or after driving – Avoid eating meals or snacks behind the wheel.
- Stay focused on the road – Minimize interactions with passengers and avoid multitasking.
- Use technology wisely – Many modern vehicles come with voice commands and safety features to reduce distractions.
Stay Protected with the Right Car Insurance in Springfield, Ohio
Avoiding distracted driving not only keeps you and others safe but also helps maintain lower insurance premiums. At Link-Hellmuth Insurance, we help Ohio drivers find affordable and comprehensive car insurance in Springfield, Ohio that fits their needs. If you’re looking for coverage that protects you against life’s unexpected events, we’re here to help.
Get a Free Quote Today
This April, commit to safer driving and make sure you have the right insurance coverage. Contact Link-Hellmuth Insurance to explore your car insurance options in Springfield, Ohio and get a free quote today!
