​Contact Us: (805) 496-8835  |  AGENT LOGIN  |  CLIENT LOGIN
Hayek Insurance
  • Home
  • Quotes
    • Commercial Quotes >
      • Business Insurance Quote
      • Business Owners Package (BOP) Insurance Quote
      • Group Benefits Insurance Quote
      • Insurance Bond Quote
      • Workers Compensation Quote
      • Short Term Insurance Quote
      • Next Insurance quote
      • Coterie Insurance quote
    • Personal Quotes >
      • Health Quotes >
        • Health Insurance Quote
        • Critical Illness Insurance Quote
        • Dental Insurance Quote
        • Long Term Care Insurance Quote
        • Medicare Advantage Plan Quote
        • Medicare Supplement Coverage Quote
        • Vision Insurance Quote
      • Property Quotes >
        • Home Insurance Quote
        • Earthquake Insurance Quote
        • Apartment Insurance
        • Flood Insurance Quote
        • Landlords Insurance Quote
        • Renters Insurance Quote
      • Auto Quotes >
        • Auto Insurance Quote
        • ATV Insurance Quote
        • Accident Insurance Quote
        • Classic Car Insurance Quote
        • Roadside Assistance Quote
        • Motorcycle Quote
        • RV Insurance Quote
      • Life & Financial Quotes >
        • Life Insurance Quote
        • Annuity Quotes
        • Disability Insurance Quote
        • Final Expense Insurance Quote
      • Other Quotes >
        • Boat Insurance Quote
        • Event Insurance Quote
        • Umbrella Insurance Quote
        • Travel Insurance Quote
        • Wedding Insurance Quote
        • Liquor Store Insurance Quote
  • Service
    • Report a Claim
    • Make a Payment
    • Direct Payment to Hayek
    • Update Contact Info
    • Policy Changes
    • Proof of Insurance
    • Policy Review
    • Contact My Carrier
    • Online Documents
  • Consultation
  • Insurance
    • Commercial Insurance >
      • Business Insurance
      • Business Owners Package (BOP) Insurance
      • Group Benefits
      • Insurance Bonds
      • Workers Compensation
    • Personal Insurance >
      • Health >
        • Health Insurance
        • Critical Illness Insurance
        • Dental Insurance
        • Long Term Care Insurance
        • Vision Insurance
      • Medicare >
        • Medicare Advantage Plans
        • Medicare Supplement Coverage
      • Property >
        • Home Insurance
        • Earthquake Insurance
        • Flood Insurance
        • Landlords Insurance
        • Renters Insurance
      • Vehicles >
        • Auto Insurance
        • ATV Insurance
        • Accident Insurance
        • Boat Insurance
        • Classic Car Insurance
        • Motorcycle Insurance
        • Roadside Assistance
        • RV Insurance
      • Life/Financial >
        • Life Insurance
        • Annuities
        • Disability Insurance
        • Final Expense Insurance
        • Financial Planning
        • Umbrella Insurance
      • Other >
        • Event Insurance
        • Travel Insurance
        • Wedding Insurance
        • Liquor Store Insurance
  • About
    • Staff Directory
    • Client Testimonials
    • Refer a Friend
    • Insurance Carriers
    • Agency Photo Gallery
    • Accessibility Statement
    • Client Login
    • Videos
    • Blog
    • News
  • Contact
  • Home
  • Quotes
    • Commercial Quotes >
      • Business Insurance Quote
      • Business Owners Package (BOP) Insurance Quote
      • Group Benefits Insurance Quote
      • Insurance Bond Quote
      • Workers Compensation Quote
      • Short Term Insurance Quote
      • Next Insurance quote
      • Coterie Insurance quote
    • Personal Quotes >
      • Health Quotes >
        • Health Insurance Quote
        • Critical Illness Insurance Quote
        • Dental Insurance Quote
        • Long Term Care Insurance Quote
        • Medicare Advantage Plan Quote
        • Medicare Supplement Coverage Quote
        • Vision Insurance Quote
      • Property Quotes >
        • Home Insurance Quote
        • Earthquake Insurance Quote
        • Apartment Insurance
        • Flood Insurance Quote
        • Landlords Insurance Quote
        • Renters Insurance Quote
      • Auto Quotes >
        • Auto Insurance Quote
        • ATV Insurance Quote
        • Accident Insurance Quote
        • Classic Car Insurance Quote
        • Roadside Assistance Quote
        • Motorcycle Quote
        • RV Insurance Quote
      • Life & Financial Quotes >
        • Life Insurance Quote
        • Annuity Quotes
        • Disability Insurance Quote
        • Final Expense Insurance Quote
      • Other Quotes >
        • Boat Insurance Quote
        • Event Insurance Quote
        • Umbrella Insurance Quote
        • Travel Insurance Quote
        • Wedding Insurance Quote
        • Liquor Store Insurance Quote
  • Service
    • Report a Claim
    • Make a Payment
    • Direct Payment to Hayek
    • Update Contact Info
    • Policy Changes
    • Proof of Insurance
    • Policy Review
    • Contact My Carrier
    • Online Documents
  • Consultation
  • Insurance
    • Commercial Insurance >
      • Business Insurance
      • Business Owners Package (BOP) Insurance
      • Group Benefits
      • Insurance Bonds
      • Workers Compensation
    • Personal Insurance >
      • Health >
        • Health Insurance
        • Critical Illness Insurance
        • Dental Insurance
        • Long Term Care Insurance
        • Vision Insurance
      • Medicare >
        • Medicare Advantage Plans
        • Medicare Supplement Coverage
      • Property >
        • Home Insurance
        • Earthquake Insurance
        • Flood Insurance
        • Landlords Insurance
        • Renters Insurance
      • Vehicles >
        • Auto Insurance
        • ATV Insurance
        • Accident Insurance
        • Boat Insurance
        • Classic Car Insurance
        • Motorcycle Insurance
        • Roadside Assistance
        • RV Insurance
      • Life/Financial >
        • Life Insurance
        • Annuities
        • Disability Insurance
        • Final Expense Insurance
        • Financial Planning
        • Umbrella Insurance
      • Other >
        • Event Insurance
        • Travel Insurance
        • Wedding Insurance
        • Liquor Store Insurance
  • About
    • Staff Directory
    • Client Testimonials
    • Refer a Friend
    • Insurance Carriers
    • Agency Photo Gallery
    • Accessibility Statement
    • Client Login
    • Videos
    • Blog
    • News
  • Contact

Hayek Insurance Blog

Texting And Driving Impact On Your Car Insurance

11/22/2021

0 Comments

 
Picture
​The decision to text and drive is a dangerous one, but many people continue doing it as if their insurance rates don't matter. It's not just the person on the phone who suffers; everyone else does too, due to increased car accident risk.
What Happens If You Personally Text and Drive
So how safe are you really when it comes to texting and driving? A lot of insurance companies have been tracking cell phone use for the drivers they insure, which means that if this doesn't stop soon then car insurance premiums will continue to increase. 

Car accidents happen every day because people think nothing can go wrong as long as they're not on their phone while driving but many lives depend on your hands being off the wheel at all times!

If we don’t change our habits now in regard to texts during a drive, rates may keep rising until eventually, no one is able to afford coverage even with good grades or without any major violations.

Types of Distracted Driving 
Distracted driving can be physical, manual, or cognitive. The Center for Disease Control (CDC) says that these three categories fall into four main types of distractions: visual, mental, auditory, and other sensory disturbances like pain from an injury. 
  • Visual: when people's eyes are off the road they might not see something in front of them coming which could cause a car accident to occur.
  • Manual: when their hands come off the steering wheel 
  • Cognitive: any time you're mind does anything besides just drive 

How Much Should You Expect
Dedicated attention to the road is becoming a hard-to-find commodity. Since 2011, insurance premiums have risen by 20 percent nationwide because of distracted drivers who are not solely focused on their driving while behind the wheel. 

This can be attributed in part due to teenage and young adult drivers as well; these demographics will see larger increases than others when it comes time for them to shop around for car insurance coverage options.

Other Reasons Why Insurance Premiums Are Rising
While distracted driving is a significant factor, it's not the only factor. Insurance companies have to weigh many different factors before setting rates. These include gas prices, a booming economy, congested roads that lead to accidents, vehicle upgrades, and repairs. 

How to Avoid Paying More for Car Insurance
You can make your driving experience safer and more rewarding by using the tools that insurance companies provide such as tracking apps in order to monitor your behavior. Using these new technologies, you will be able to avoid accidents while earning discounts on car insurance rates for good safety habits.

Conclusion
A piece of advice: Stop texting and driving. You don't only save money from paying increased rates in car insurance, but you could save someone else's life too. 

At Hayek Insurance, we do our best to ensure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (805) 496-8835 or Click Here to request a free quote.
0 Comments



Leave a Reply.

    Contact Us

    (805) 496-8835
    3205 Old Conejo Rd
    2nd Floor
    Newbury Park, CA 91320
    Click Here to Email Us

    Archives

    December 2022
    November 2022
    October 2022
    September 2022
    August 2022
    July 2022
    June 2022
    May 2022
    April 2022
    March 2022
    February 2022
    January 2022
    December 2021
    November 2021
    October 2021
    September 2021
    August 2021
    July 2021
    June 2021
    May 2021
    April 2021
    March 2021
    February 2021
    January 2021
    December 2020
    November 2020
    October 2020
    September 2020
    August 2020
    July 2020
    June 2020

    Categories

    All
    Auto Insurance
    Business Insurance
    Business Owner's Package (BOP) Insurance
    FAQs
    Financial
    Health Insurance
    Home Insurance
    Insurance
    Landlord Insurance
    Life Insurance
    Local
    Medicare Advantage Plans
    Renters Insurance
    Safety

    RSS Feed

Navigation

Homepage
Insurance Quotes
Policy Service
Insurance Products
Contact Us
Agent Login
Client Login

Connect With Us

Share This Page

Contact Us

Hayek Insurance
3205 Old Conejo Rd
2nd Floor
Newbury Park, CA 91320
(805) 496-8835
Licensed #: 0F09609​
Click Here to Email Us
Review Us

Location

Wildwood Cyn NewburyParkCA Photo by  Howcheng | CC-BY-SA-3.0-migrated | Website by InsuranceSplash