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Auto Insurance - Why You Need It

If you've ever needed a reason to appreciate auto insurance, then think about this: on average, a motor vehicle crash occurs every 5 seconds, a person is injured in an accident every 11 seconds, and a fatal injury occurs every 12 minutes. These statistics are a sober reminder of how important it is to have drive safely, and have good auto insurance coverage.

It's not all bad news. The crash fatality rate per 100 million 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 second consecutive year in a row. According to the National Highway Traffic Safety Administration's (NHTSA) 2004 Early Edition Report, the number of police-reported motor vehicle crashes occurring on the highways dropped to under 6.2 million from more than 6.3 million in 2003, and persons injured in these crashes continues to steadily decline as well.

This reduction is due in part to the national campaigns aimed at increasing safety belt use and reducing impaired driving. Currently the seat belt law is mandated in all 50 states, which greatly helped reduce the number of persons killed in auto accidents in 2004. The countrywide campaign for drinking under the influence has also greatly helped reduce alcohol-related fatalities for the second consecutive year in a row.

Time matters.
Even with all these new preventive measures, accidents are still happening. This is why the focus has turned to on which days and at what time accidents are occurring. According to the NHTSA, Saturday and Sundays nights between 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 alcohol.

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 matters.
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.

Auto insurance matters - Protect Yourself.
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.

Original article can be found here at Insurance.com