Whether you’re hitting the open road or stuck in
the daily commute, your driving habits can make the difference between smooth
sailing and tragedy.  We all like
to think of ourselves as plenty competent, but sometimes when we’re rushed – or
just caught up in the moment – it’s easy to let some things slide.  Read on for some important reality
checks, and how to keep yourself and others safe whether you’re driving four
wheels or riding two.

Carry
proper auto insurance

It’s easy to think of auto insurance as something
you get just because you have to, but insurance is designed to help you when
something unforeseen happens.  Liability insurance is the minimum coverage
required in most states, and while it takes care of paying for damage to other
people’s property or covers their injuries, it won’t help repair damage to your
own vehicle.  Because of this,
insurance may seem like a nuisance, but you should consider it a safety
net.  There are types of policies available to help you cover
other things like repairing your vehicle or replacing it when it’s damaged by
vandalism, theft, weather, and so forth. 
You can even get coverage for things like lost wages if you’re injured
in a crash.

Forbes points out it’s often worthwhile to shop around for coverage.  There is a wide variety of companies
and policies out there, and sometimes you can look into the competition and get
more bang for your buck with a different carrier.  Of course, it’s a good idea to have a frame of reference so
you know if you’re getting the best deal. 
For example, in Massachusetts, the average monthly premium sits at $92.75, though this number will change
depending on the level of coverage you want beyond liability, your car, your
age, and your gender, as well as your driving record.

Higher
risk, higher rates

Those with a checkered driving history often pay
more for auto insurance, especially if they earn a “high risk” label.  It can still help to shop around,
though, and sometimes you can improve your situation by keeping your record
clean, or by taking a defensive driving course.  Either way, make sure you carry the
proper insurance to protect yourself — and others — on the road. 

Here are some of the habits that can help keep
you safe, and help keep your record clean.

Slow down

Chances are you feel like you’re in complete
control no matter how fast you’re going, but the reality is, speeding can get
you killed.  According to some
studies, speeding can lead to a more severe accident,
and it increases your risk of being involved in a wreck.  Give yourself enough elbow room in your
schedule to take your time, and instead of getting places as quickly as you
can, aim for safety, and for savoring the experience. 

Change
lanes properly

Slipping in and out of traffic as quickly as
possible, whether to get ahead or just for fun, is a dangerous game.  Even not using a turn signal can be
considered an unsafe lane movement, because it puts you and
others at risk.  The rules for using turn signals, and allowing
space for other vehicles, are for more than just courtesy.  It’s a chance for other drivers and
pedestrians to make appropriate decisions, braking to slow down, pass cars,
adjust their speed, or move to another lane.  Be respectful of space and signal your intentions
appropriately.

Keep your
head clear

Driving while distracted, under the influence, or when you’re drowsy
are all issues that reduce your competence on the road.  It’s important to be clear and focused
when you’re driving, so set aside your phone, avoid alcohol and substances, and
only put your key in the ignition when you can pay attention and feel
alert. 

Being careful on the road benefits everyone.  Carry appropriate insurance, maintain
good habits, and obey the rules of the road.  It’s responsible, it’s courteous, it’s the law, and it can
save your life.