Car insurance rates are expected to rise in 2017 due to an increased number of accidents because of smartphone usage.
Online PR News – 26-April-2017 – Salt Lake City, Utah – car insurance rates are expected to rise in 2017 due to an increased number of accidents because of smartphone usage. In addition, the higher cost of repairs for modern vehicles also impacts insurance premiums. This could signify more money out-of-pocket for car owners, according to ASA Car insurance, a provider of car insurance in Salt Lake City, UT.
Experts say that the number of car accidents has gone up in many areas with more drivers becoming distracted by their smartphones. They not only make and receive calls while driving, but they also read and send texts, read social media and do other activities. Even a moment’s distraction can lead to a collision. Fatality rates caused by distracted driving have increased, according to the National Highway Traffic Safety Administration (NHTSA). In 2015, they were up by 8.8 percent. Distracted driving includes eating, changing radio stations and texting. Some studies show that drivers spend a majority of their time either checking their phones, talking on them or just holding them while they drive.
While distracted driving has always been a contributing factor in many car accidents, it may be on the rise because more young drivers have their own phones now. As smartphone use becomes integrated even more into society, the dangers will continue to increase. “We want drivers to be more aware of just how dangerous using a smartphone can be when driving,” says Creed Anderson of ASA Insurance. “People often think that looking away for just a second doesn’t matter, but they don’t realize how quickly an accident can happen.” He also explains that people are often distracted for longer than they think.
Another contributing factor to the rise in insurance rates is the cost of repairing vehicles. With more advanced technology in place to help prevent collisions and ensure safety on the roads, these newer models are more expensive to repair. Even small accidents that damage bumpers can be more costly with the various sensors that may be damaged.
Car insurance companies have tried to be competitive and offer lower rates and discounts to be the lowest priced option. However, those incentives take away from the companies as the costs for repairs rise. At some point, the insurers must make adjustments to remain in business. With rates expected to increase, it will be even more important for drivers to shop around for the best coverage at affordable rates. They can also help out their own cause by being cautious drivers and avoiding traffic violations and accidents, which can increase their rates even more.
Looking for discounts will become even more important as costs go up. Experts recommend taking a driver safety course and combining car insurance with a homeowner’s policy to get the benefit of some of the best discounts. They can discuss their coverage needs with an agent who can help them determine what type of policy best fits their budget. An annual review of car insurance can ensure they are paying the lowest rates for the best policy.