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Top 5 Distracted Driving Habits and How to Avoid Them

At South Carolina Federal Insurance Solutions, we make shopping for auto insurance convenient and affordable. Here we take on an important topic that affects almost all drivers.

Many of us have been guilty of distracted driving at one point or another, and modern technology like cell phones, in-car entertainment systems, upgraded stereo systems, and more make it harder to keep our focus on the road. Below are five quick and easy tips on avoiding distracted driving to keep yourself, your passengers, and others as safe as possible.

Limit Cell Phone Usage to an Emergency: When driving, your cell phone should only be used for an emergency. While hands-free driving technology that is found in every modern vehicle is extremely convenient, it can still cause you to miss key visual and audio clues needed to avoid an accident.

Don’t Drive Drowsy: Drowsiness is one of the leading causes of accidents in the United States. Your ability to react and make safe decisions while driving is diminished if you feel tired or are taking certain medications. Let someone else drive or call a rideshare service to reach your destination safely.

Stay Clear of Food: While it can be tempting to consume a meal while on the go, spilling food or taking your hands off the wheel to grab a bite means that your eyes are off the road and may put you and your passengers in danger. Instead, pull over for the few minutes it takes to eat your food.

Focus on Driving: Whether you have a long commute or make frequent road trips, the more time you spend in the car, the more tempting it may be to take care of other tasks like talking to your friends, text messaging, or finding a new podcast. Be smart and keep 100% of your focus on your vehicle and the others on the road.

Safety First: Protect the lives of any children in your care by utilizing age-appropriate safeguards and keep your pets clear of entry to the front seats. Secure any cargo that may move around while your vehicle in in motion. Always wear your seat belt and drive sober and drug-free.

Contact our experienced insurance advisors today to find out how safe driving behaviors can be rewarded. Depending on your individual insurance needs, multicar or multi-policy discounts, in addition to safe driver discounts, can be applied to help you save money too!

2 Reasons Why Auto Insurance is Important

From making the payments to routine maintenance, owning a vehicle comes with a lot of responsibilities. If you are thinking about buying a vehicle, one of the most important things you can’t overlook is maintaining the required automobile insurance. It is common for people to think that paying their auto insurance premiums is a waste of money, a cost that they may never reap the benefits of. However, this is far from being the actual fact. Automobile insurance provides you with more benefits than you may realize. South Carolina Federal Insurance Solutions has gathered two of the reasons why auto insurance is important for the residents of South Carolina.

It is the Law

It is a legal requirement that vehicle owners carry at least the minimum amount of coverage. Liability insurance is the minimum type of coverage required by the law, which covers damages to the other party if the damage is caused by you. Although liability is the minimum required, you may want to purchase additional coverage or increase your coverage limits. Full coverage protects you as well as passengers, injuries, damages, and more. Since auto insurance is a requirement in all U. S. states if you are caught driving without it, even in a different state than your place of residence, you are at risk of being fined, arrested, having your driver’s license suspended, and/or having to pay higher insurance premiums later on.

Financial Responsibility

Other than it being a law for vehicle owners to carry automobile insurance, having coverage can relieve your financial responsibilities should you be involved in an accident that was your fault. Getting in an accident is a stressful, scary situation, and the situation can get even worse if you are found to be at fault. When at fault for an accident, you are responsible for the cost of repairing the damages to the other vehicle as well as the cost of medical expenses for the other parties involved in the accident. So, carrying automobile insurance, especially if you have comprehensive insurance will help to relieve the financial burden you may be faced with for another person’s damage or injuries.

Although the minimum requirement by law is a liability, it is extremely important that you verify this is the minimum coverage you are required to carry. If you are leasing or financing your vehicle, comprehensive and collision coverage may be required by your lender.

Contact a trusted advisor with Insurance Solutions to learn more information about auto insurance requirements. We will provide a free review of your current policy coverages and limits of insurance to make sure you are protected!

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