States with texting bans may end up with cheaper auto insurance

Texting while driving is one of the most dangerous forms of distracted driving.Texting while driving has already proven to be extremely dangerous, and close to 25 states have adopted laws that ban the practice.

However, one state has bucked the national trend. Alabama was unable to pass their texting while driving bill due to certain language the legislation contained, the Associated Press reports. The bill’s sponsor, Representative Jim McClendon, vowed it would make a reappearance next year.

Texting while driving is one of the most dangerous forms of distracted driving. Car crashes are four times as likely if the driver is using a hand-held device like a cell phone, the Insurance Institute for Highway Safety reported. Drivers with high crash ratings are put into a high-risk auto insurance category, making it difficult, if not impossible, to receive cheap insurance coverage.

These bans may soon prove that drivers living in states with texting laws will end up receiving cheaper auto insurance coverage.

April 30 is National No Phone Zone Day, and U.S. Transportation Secretary Ray LaHood is appearing on the Oprah Winfrey show to discuss to the dangers associated with distracted driving. It was responsible for close to 6,000 deaths in 2008, according to the National Highway Traffic Safety Administration.ADNFCR-3298-ID-19754882-ADNFCR

About John Pirro
John Pirro is a licensed fire and casualty insurance agent specializing in various aspects of the auto insurance industry. He worked in the auto body repair industry before taking a reporting position at Online Auto Insurance News.

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