While living and driving in Maine, auto insurance is important for your financial protection on the road. However to help reduce the risk of a crash, it’s essential that safe driving is practiced at all times. According to the Insurance Information Institute (I.I.I.), driver behavior results in many road injuries and fatalities, including the following:

• Drunk driving – accounted for around 32% of crash fatalities in 2009. Despite efforts to reduce alcohol-impaired driving, every 48 minutes on average a drunk-driving death occurs.
• Speeding – contributed to 31% of fatal crashes in 2009.
• Fatigue/drowsiness – from 1999 to 2009, 16.5% of fatal crashes involved fatigue.
• Distractions – contributed to 16% of fatal crashes in 2009. In addition, a 2006 study showed that distractions contributed to nearly 80% of all crashes. Distractions include the use of cell-phones, tiredness/drowsiness, and activities while in the vehicle such as reaching for objects.
• Other causes – include hit-and-run collisions, deer collisions, and red-light running.

We spend so much time driving that it’s easy to forget it is a highly risky activity and to become complacent or even over-confident if not careful. Practicing safe driving behavior on the road not only helps to reduce crash risk, but also Maine auto insurance claims, premiums, and costs into the bargain!