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An article on <A HREF="http://www.usatoday.com/news/nation/2005-07-12-cell-driving_x.htm">usatoday.com</A> about a study from the Insurance Institute for Highway Safety shows that using cell phones while driving (either hand held or hands free - it doesn't matter) increases the risk of an accident by some 400%. There was a similar study in Japan a few months back that came up with similar results.
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If these studies are confirmed, you can bet that your car insurance rates will begin to significantly increase if you own a cell phone and use it while driving. The car insurance industry is run by statistical odds and that's why you sometime see strange discounts given by car insurers. Your credit score may not seem to have anything to do with your driving ability, but the statistics say if you have good credit, you're less likely to commit insurance fraud to try and get money. If you have a good credit rating, you likely pay less than if you have a poor credit rating.
With statistics indicating that those using cell phones are 4 times more likely to get into an accident, it won't be long for the car insurance companies to take this statistic into account when issuing policies. It's time to get into the habit of turning off your cell phone at the same time you buckle your seat belt if you don't want to see your car insurance payments go through the roof in the near future.
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If these studies are confirmed, you can bet that your car insurance rates will begin to significantly increase if you own a cell phone and use it while driving. The car insurance industry is run by statistical odds and that's why you sometime see strange discounts given by car insurers. Your credit score may not seem to have anything to do with your driving ability, but the statistics say if you have good credit, you're less likely to commit insurance fraud to try and get money. If you have a good credit rating, you likely pay less than if you have a poor credit rating.
With statistics indicating that those using cell phones are 4 times more likely to get into an accident, it won't be long for the car insurance companies to take this statistic into account when issuing policies. It's time to get into the habit of turning off your cell phone at the same time you buckle your seat belt if you don't want to see your car insurance payments go through the roof in the near future.
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