How Distraced Driving Affects Your Car Insurance

It’s pretty fun, knowing that you’re in conversation with someone just by sending notes back and forth. it’s a strong way of communication that can help you throughout your day, you’re well informed of what’s going on and if you’re having a bad day a quick way to chat and vent. This is all good and dandy up until your behind the wheel and it’s considered distracted driving. It goes without saying that distracted driving is quite dangerous, and it can increase your insurance premium heavily. 

And if the increase in your insurance premium isn’t enough, there are over 9 fatalities each day and over 1,000 accidents that are reported in the United States solely due to distracted driving. Not necessarily with your mobile device, but anything that can divert your attention from the road. 

So we ask you this, what is distracted driving?

Well, when you are driving, parked or stopped at a light distracted driving is anything that takes your attention away from the road. So here are a few things that do that.

  • Texting
  • Calling from Cell Phone
  • Playing Games
  • Videos
  • Shuffling Music
  • Drinking Coffee
  • and more

Although, we do say that these are forms of distracted driving, but you can use hands free communications to help with this.

Other Considerations

Distracted driving isn’t just using your cell phone, yes in legal terms it is. But there is a fact of common sense that plays into this. For example if you’re driving and drinking coffee, your attention is displaced and can put you in a position of danger. 


State Bans

Distracted driving is actually banned in many states, but if you are in one of those few states where there is no explicit band we do ask that you are mindful. Keeping your eyes off the road for a few seconds can result in extreme danger, that you don’t want to enforce on yourself or anyone else.

There are few states like Florida, with a law for distracted driving is a little bit topsy-turvy. There’s no firm decision on whether or not it’s bad, but hey be mindful of this and if you live in the state of Florida or any state will it snow direct law resulting in distracted driving bans, you should make it a habit not to do so. 



If you’re convicted of distracted driving in the states that have a law against this, you are entitled to pay a fine. Depending on where you located the fines you can incur vary from state to state. But one thing’s for certain, if you’d like to know how distracted driving affects your insurance premium directly contact your local insurance company and they’ll be able to help.

Distracted driving is something very serious, while you’re driving you have to make sure that you’re safe and the other person is as well. So if you have a habit of using your device while on the road we highly recommend you don’t. Because no matter where you are in the world there’s always that one person who would be destructive due to using their mobile device causing an accident.

For more information about distracted driving how to fix your insurance premium call your local agent here.