Can certain driving practices help you save money on your auto insurance?

(NAPSI)-You left your home too late and are now rush to get to an assignment. Or possibly traffic was backed up and now that it's liberation up a bit, you want to make up for lost time.

But earlier you put the pedal to the metal, did you know that speed is one of the most prevalent factors contributing to traffic crashes? There are about 6 million police-reported car accidents every year in America--that's one accident every five sec. According to the subject Highway Traffic Safety disposal, speeding reduces a driver's ability to steer safely around curves or physical object in the roadway, extends the distance necessary to stop a vehicle and addition the distance a vehicle travels while the driver reacts to a dangerous situation.

Do you recognize any of these other apparently harmless drive behaviors?

• swerve or missing an exit while talk on a cell phone?

• Applying lipstick or mascara while drive?

• Driving while reading a paper or your text messages?

• Encroaching on the bumper of the car in front of you?

Whether you're 16 or 60, responsible driving should be everyone's priority. In addition, safe drive practices may help you save money on your auto insurance because insurance companies base insurance premium, in part, on drive records. It pays to find out if your insurance company will give price reduction for being accident-free. A few habits that may help you become a safer driver include:

• signal when changing lanes;

• deceleration down and using cautiousness when drive in bad weather condition;

• Maintaining a two-second rule when followers other vehicles;

• Asking person else to take over the wheel when you're tired, upset or have consumed alcohol.

Some insurance companies will also give price reduction if you've taken a defensive attitude driving class or if you are a pupil and meet certain requirements such as achieving good class. Others offer rewards for safe driving where discounts can be earned toward the next renewal premium.

To see whether the rates you are paying reflect your driving record, contact your local insurance agent or visit www.allstate.com to learn more.

Safe driving practices may help you save money on your auto insurance because insurance companies base premiums, in part, on driving records.