Auto insurance: the protection you need

On norm, a motor vehicle crash occurs every 5 sec, a individual is injured in an accident every 11 sec, and a fatal hurt occurs every 12 min. Those are scary idea as you head out the door to school, work or to the store and convincing evidence of why auto insurance coverage is so necessity.

However, you can rest a little easier knowing that the crash human death rate per 100 1000000 vehicle miles traveled is the lowest it has been since record keeping began 30 years ago, registering at 1.46, and remained below 1.50 for the sec consecutive year in a row. According to the subject Highway Traffic Safety Administration's (NHTSA) 2004 Early Edition Report, the figure of police-reported motor vehicle crashes occurring on the highways dropped to under 6.2 1000000 from more than 6.3 1000000 in 2003, and individual injured in these crashes continues to steadily decline as well.

This decrease is due in part to the subject campaigns aimed at increasing safety belt use and reduction impaired drive. Currently the seat belt law is mandated in all 50 states, which greatly helped reduce the figure of individual killed in auto accidents in 2004. The countrywide campaign for imbibing under the influence has also greatly helped reduce alcohol-related human death for the sec consecutive year in a row.

Time plays a big part.
Even with all these new preventative measures, accidents are still occurrence. This is why the focus has turned to on which days and at what time accidents are occurring. According to the NHTSA, Sabbatum and Sundays nights betwixt Midnight and 3 a.m. Are the deadliest 3-hours on the road, with a total of 2,451 fatal crashes in 2004, seventy-six percent of these accidents involved alcoholic beverage.

So you now know what time of day to try and avoid, but do you know that time of year? The Early Edition Report indicates that August topped the charts with the most fatal crashes in one month and December had the most overall automobile accidents, totaling 601,000- something to keep in mind during your vacation and holiday travels!

Your car can affect your car accident.
The vehicle you drive can also play a large role in your car accident. Passenger cars and light trucks accounted for nearly 95 percent of the 11 million vehicles involved in motor vehicle crashes in 2004. Large trucks only accounted for 15 percent of the vehicle accidents. In addition, we saw an increase in vehicles rolling over during an accident. Of the vehicles that rolled over, utility vehicles presented the highest rate at 36.2 percent in fatal crashes, 9.6 percent in injury crashes and 2.4 in property-damage-only-crashes. Regardless of the crash severity, the majority of these accidents occurred during daylight, in normal weather conditions, while the vehicle was going straight.

Protect yourself with auto insurance.
Accidents do happen, but you can follow some simple safety measures while driving. These include wearing your seat belt at all times, obeying the speed limit, being cautious of your surroundings and having auto insurance. By having auto insurance, you are able to protect yourself, your family, passengers and other drivers from incurring additional heartache and financial burden.

If you are in the market for auto insurance or would like to make sure you are receiving the best package for the price, logon to the Insurance.com's auto quote comparison tool . There, you'll be able to compare car insurance rates from up to 12 insurance providers, helping you evaluate various auto insurance premiums while helping you find the best package for your overall needs.