The designated driver -its your secret weapon in the battle for cheaper car insurance

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In the past few years “who is a designate driver” has been approached by many new operators in the transport and small business industry – many of these providing weekend transport to those who go “on the night out”! It is of the utmost importance for road safety that we remove the drunk and impaired drivers from the roads. There is consensus amongst road safety officials that the answer to achieving this is enforcement – not only enforcement from our traffic officials – bit more important, self-enforcement!

The more road users we find self-breathalysing and monitoring their blood alcohol levels, the lesser the risk on our roads. The best advice however remains to use a designated or a zero alcohol level driver. This can either be a friend who is not drinking or a driver from a company who provides this facility at a price.

We usually look at the designated driver from a safety and sober driving perspective only. Bit are you aware how important this might be for your car Insurance premium?

Importance of the Designated Driver for Car Insurance

To consider the importance of the designated driver we should emphasize a few important aspects used in the calculation of car insurance premium:

The insured carThe insured driverThe distance drivenThe time of the day that you driveThe area where you driveClaims history etc

Through the application of the data provided by vehicle telematics these are factors that have become of ever increasing importance to the insurance company. Your car insurer will be aware that the greatest risk to car insurance claims is young drivers driving at night and especially on Friday and Saturday evenings. Driving at these times by young drivers is most often associated with speeding, impaired driving and not only by the driver of that specific vehicle, but also other road users sharing the roads.

By rather pooling funds and paying the designated driver you may be able to save on the risks to your car insurer. You will be driving less at these dangerous times and reduce the risks of unnecessary insurance claims not only brought about by your own driving , but also the fender benders and more serious damage from other impaired drivers! Not only may you avoid increases brought about by additional claims, but you will also be able to travel less with your own vehicle – making ot possible for you to benefit from Pay as you go or pay as your drive premiums!

We would like to urge all our vehicle owners to do some research on designated driving companies in the area where they live. Keep their numbers on your cellular phones and stay on the safe side- ALWAYS!!

 

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Tagged with: Alcohol Level • battle • Blood Alcohol Levels • Business Industry • Car Insurance Claims • Car Insurer • cheaper • Cheaper Car Insurance • Consensus • designated • driver • Driving At Night • Evenings • Insurance • Insurance Company • Insurance Premium • Road Safety • Road Users • Safety Officials • secret • Secret Weapon • Time Of The Day • Traffic Officials • Utmost Importance • Vehicle Telematics • weapon • Young Drivers

Filed under: Compare Auto Insurance Quotes

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