Comprehensive coverage is a good idea to include in your NY car insurance quote because it will cover most non-collision-related damage to your vehicle

Safe Driving Tips

After you get a competitive NY car insurance quote, you will want to keep your premiums as low as possible by driving safely. Follow these tips to stay safe on the road.

  1. Don’t speed.
  2. Speeding is a potentially costly mistake, and not just because it will drive up your NY car insurance quote if you’re caught. Speeding puts you in danger for two reasons. First, it leaves you less reaction time in the event that something happens. You have less time to stop and less time to avoid a potential accident. Secondly, speeding increases your momentum, so if you do have an accident, it will be much more serious than if you had been going the speed limit.
  3. Avoid distractions.
  4. When you apply for a policy, you will see that providers like to reward safe drivers who avoid distractions. Try not to eat in the car, change the radio while you’re moving, or talk on your cell phone while driving. These kinds of distractions drastically increase your risk for an accident, which will increase your rates.
  5. Don’t drive in dangerous conditions.
  6. Try to avoid driving in inclement weather, late at night, or in heavy traffic. These situations represent strong risks for accidents, and accidents will hurt your chances of getting a low-cost estimate.
  7. Keep up on vehicle maintenance. Keeping up on routine maintenance can also help you avoid an accident. Always make sure your tires are properly inflated, your lights and signals work, and your fluids are filled to the recommended levels. These kinds of precautions can prevent serious accidents from ever happening. If you don’t know how to do these things yourself, take your car to a mechanic to do them for you.
  8. Obey all traffic laws and signs.
  9. This may seem intuitive, but very few drivers obey all traffic laws consistently. Aside from helping you avoid an accident, obeying traffic laws can also help you avoid moving violations (tickets) that will raise your premiums.

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