If a person ends up with a high insurance rate, there is usually one cause for it. Accidents. The single most important thing that you can do to keep your rates low is to keep your driving record clean. To stay out of accidents, all you have to do is follow a few simple tips.

First and foremost pay attention. Set the radio station before you leave, not when you are driving. Do your makeup at home and not in the rearview mirror. Look in your mirrors and check your blind spot before you change lanes. One of the biggest causes of accidents is carelessness. By paying attention you will dramatically improve your odds of staying out of an accident.

The next thing you should do is plan ahead. You should always know what you will do if the person in front of you slams on their brakes or if someone cuts you off. Leave a safe distance in front of you and have an escape route planned in case you need to swerve to avoid an accident.

Finally, keep your vehicle in good condition. Check your tire pressure, have your brakes checked often and replace your windshield wipers regularly. A vehicle that is operating properly is just plain safer.

That is all there is to it. By following these simple steps, you can greatly reduce the risk of getting into an auto accident and therefore keep your auto insurance rates low.