Did you know that what month of the year you drive can increase your chances of an accident? The National Highway Traffic Safety Administration reports that August and December, typically months when people travel for vacation and to visit relatives respectively, are the most dangerous months for vehicle travel. It is also a fact that if you travel on Saturday or Sunday nights between the hours of 12:00 a.m. and 3:00 a.m., you are more likely to get into an accident.
Accidents, injuries and deaths from vehicle-related causes are the lowest they have ever been since the United States government began record keeping. There are many reasons for this, but the most prominent is that more people wear seat belts than ever before – because of seat belt laws in all 50 states – and the reduction of drunk driving, due to nationwide campaigns against this crime.
But accidents still happen, vehicles still get damaged, people still get hurt. A vehicle accident occurs every five seconds, a vehicle-related injury occurs every 11 seconds, and some dies because of a traffic accident every 12 minutes.
There are many ways you can avoid accidents and injuries. For example, you can make sure you put on your seat belt every time you get into your Voyager. Stay alert and become aware of other drivers, other cars, and your surroundings when you drive. Designate a driver if you use alcohol. Use prescription drugs only under the guidance of a physician. Obey the speed limit. And obey the seat-belt laws by buckling up every time you enter a vehicle.
Although accidents and injuries do occur, they are in actuality quite rare considering the many millions of miles people drive their vehicles every year. But we must be prepared. So we buy insurance.
Insurance is as much a part of driving as getting a driver’s license and changing your Voyager’s oil. It is a great feeling to know that you, your passengers and your vehicle is fully insured and that you are protected not only if you should be at fault if an accident occurs but that you are protected if someone else hits you.
Carrying insurance is now the law in most states; it is illegal be on the road without it.
One way to reduce insurance costs is to only buy liability insurance on your Voyager if it is older. There is no sense in insuring your Voyager if the cost to repair it is more than what the vehicle is worth. Liability insurance is still safe, however, because it covers your medical bills, the bills of your passengers, and anyone else who may be injured if your Voyager is involved in an accident.
Buying collision insurance is a good idea for your new or newer Voyager or Town and Country. This type of insurance covers the parts and labor needed to repair your Voyager if you get into an accident.
Be sure to compare quotes when shopping for insurance. Doing so will almost certainly save you money. You can get a quote free and fast over the internet. You only need to furnish make and model of your Voyager/Town and Country, date of birth, zip code, and the number of drivers over 16 years old in your household. Quotes are free and you are under no obligation to buy.
You will certainly find shopping for insurance a pleasant experience with this website.
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