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Cell phone use while driving impairs concentration.

One of the most dangerous distractions while driving is cell phone usage. In fact, driving while on the cell phone is so dangerous, some insurance companies are ready to increase premiums whenever a driver who files an accident claim is caught using their cell phones behind the wheel. Think about this increase when requesting your free online car insurance quote.

Previously, drivers who were offenders for using their cell phones while driving generally faced the same kinds of premium rate increases as those who received a violation for routine speeding tickets. Now, insurance companies treat cell phone use while operating a vehicle as equal to a dangerous driving violation. So, if a policyholder is convicted of using a cell phone while driving, not only will he or she be faced with a fine and points on their driver’s license, but will also suffer the added financial burden of increased car insurance.

If a potential policyholder has points on their driving record for causing an accident while on their cell phones, this will certainly have an impact on obtaining cheaper car insurance. This is something to take into consideration while comparing a free online car insurance quote. Drivers with cell phone convictions will no longer be quoted car cheaper insurance women and men, alike; these increases in premium rates reinforces the fact that this is a dangerous and needless act.

If a driver insists on talking on a cell phone while operating a motor vehicle, an alternative to this type of risky driving is to use a cell phone via a hands-free kit while driving. This will decrease chances of causing an accident and putting all involved at risk and will protect your right for cheaper car insurance woman and men.

More and more states within the United States are restricting cell phone use for drivers, requiring hands-free kits, or not being able to use them at all. As more accidents refer to driving while talking as a contributory factor, higher insurance premiums will follow.

Remember, when a driver talks on their cell phones and drives, they not only put themselves at risk, they are also putting everyone around them in a dangerous situation. As the driver takes their eyes off the road to dial a phone number or to answer a ringing phone, the focus is on their phone and not on who's in front of them. Besides, drivers become absorbed in their conversations, which distracts their concentration, ultimately endangering the safety of other drivers and pedestrians on the road.

Some insurance companies have looked at driving while talking on a cell phone’s prevalence as the leading cause of driver distraction. Others have looked at the different risks associated with hand-held and hands-free devices. So, while researching for car cheaper insurance woman and men should restrict their cell phone usage while driving. Industry experts suggest that it is wise to obtain a minimum of three car insurance quotes.

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