Driving safe is a behaviour that is constantly repeated by safety experts and safety charities. It is something that drivers often take to heart that the message only applies to their own behaviours. Therefore as long as they feel in control on the road then they are following safe driving rules. Speeding a little, reaching for a mobile phone or grabbing a drink are all behaviours that done in control will likely have a fine ending as far as some are concerned, however the truth is that there are others on the road thinking the same thing.
The greater the odds build for an accident the greater the end result will turn out bad. Should one driver be heading down the roadway while texting on their mobile phone and another be coming from the same direction speeding, while another driver turns to speak to a child in the back seat, the odds are building one upon another that someone could be hurt. Driving safe is important because there are other drivers on the road that are not following safe driving rules.
Telematics car insurance is helping to keep drivers in a state of mindful safe driving. Through the use of a GPS unit that collects driving data for risk assessment, drivers could be offered discounts on their premiums by driving safe. The constant reminder to drive safe could also be a learning tool, as many drivers are unaware of how badly their driving is when they text or talk on their mobile phones, they reach for food or drink, they address children in the car, carry on conversations or simple change the radio station. The same data used by the provider to determine the risk in coverage can be privately viewed by the driver. Many a driver may be surprised to learn they haven’t been as safe on the road as thought after viewing their telematics car insurance data. They might also think twice before choosing to drive distracted or to speed at all since the data is going to be collected and used to determine their premiums.
Overall, anything that helps a driver stay safer on the road is valuable. The fact that it could also help a driver save money on car insurance adds to the attractiveness of telematics car insurance. Staying safe behind the wheel is important but even more so since there are so many other drivers sharing the road that aren’t driving safe.
Speeding is a common driving violation and almost every driver is guilty of the behaviour at one time or another. The commonality of the behaviour does not however lessen the danger. Choosing to speed can be a fatal decision and unfortunately it happens all too often that someone is involved in a serious accident due to speeding and usually it is a young driver. Young drivers have been shown in studies to be the least experienced on the road while also being the most likely to take part in risky behaviours, therefore when speeding is involved it can be a problematic combination.
Unfortunately there is almost a daily news item of a professional athlete or celebrity having been banned for continuous offences of speeding. For someone that can afford paying for alternative transportation, higher insurance rates and other inconveniences that will be expensive associated with a driving ban it may be less of a hassle, but for the average driver it can be a financial nightmare to figure out how to just get to work.
Parents may find it hard to get the point across to their young driver of the consequences of speeding. There is a tool that can assist in making sure the risky behaviour of speeding does not become a habit for a young driver and that is the use of telematics car insurance for coverage. The product uses a GPS unit to collect driving data of the insured driver to determine risk assessment and premium costs. Safe driving could offer the opportunity to save money which would mean a driver would have to abstain from speeding.
Some young driver insurance policies with telematics car insurance providers will offer parental alerts when an unsafe driving event occurs such as speeding. This type of alert can help open up discussions on the dangers of speeding while behind the wheel. No other type of car insurance product other than telematics can offer parents peace of mind that their young driver is adhering to safe driving practices. Young drivers get the benefit of developing safe driving habits while earning the opportunity to pay lower car insurance rates over standard car insurance offers.