driving danger zones and how to safely navigate them

Most drivers can sense trouble spots on the road — you know, those places where traffic tightens and knuckles whiten. The question is, how do you handle them? We gathered some useful tips to help you cruise past danger zones and avoid accidents or costly citations.

the danger you know: commonly tricky driving areas

When you think of problematic driving areas, these zones are likely the first that come to mind.

School zones

Most people know a "School Zone" sign signals that it's time to slow (way, way) down. The speed limit around schools is typically 15–25 mph.

Drivers should also keep their eyes peeled and be ready to brake at any moment — especially during the afternoons.

If you're a parent picking up or dropping off your child, these tips can help boost your school-zone safety:

  • Leave a few minutes early so you're never in a rush.
  • Park next to the school, not across the street.
  • Stick to the drop-off/pick-up zones designated for cars. Steer clear of the school buses' space.
  • And lastly: don't use a car at all. If it's possible, walk with your child instead.

Road work sites

Road construction is integral to keeping our streets safe in the long run. But in the short term, it can be inconvenient and even dangerous. According to the Centers for Disease Control and Prevention (CDC), there were an average of 773 road-work-zone fatalities per year between 2005 and 2014.

Because road work often funnels cars into a single-file line, drivers can be tempted to tailgate or merge at the very last second. Try to avoid this. Rear-end collisions are far and away the most common crash type in these areas. It takes some discipline, but keep a safe distance from other cars just like you would in free-flowing traffic. Be especially careful during daytime hours (8 a.m.–5 p.m.), the period when most fatal crashes happen around work sites.

Animal crossings

While you want to avoid hitting critters of any kind, some animal collisions can be especially costly. Colliding with a deer, for instance, can mean serious damage or injury for drivers and passengers (and, of course, the deer). Be extra careful during November if you live in a region populated by deer. Since this is prime mating season for deer, they run around more wildly than usual, bringing a higher collision risk.

To help steer clear of animals on the road, lower your speed (especially at dusk and dawn), keep your guard up in rural areas — "Animal Crossing" sign or not — and flash your lights and honk your horn to scare off and warn any creatures in your path.

lesser-known danger zones

You probably don't sweat these seemingly tame driving areas too much. But navigating them can pose difficulties and costly claims if you let your guard down.

Parking lots

You're off the road, so the risk of an accident is pretty much gone, right? Alas, that misleading sense of relaxation is likely what makes parking lots so dangerous. According to the Insurance Institute for Highway Safety, a whopping 52 percent of all back-over injuries — backing into a pedestrian or cyclist — take place in nonresidential parking lots.

The next time you hit the mall or grocery store, don't forget your usual good driving habits. Go slowly, use turn signals, and obey traffic lanes.

Driveways (yes, driveways)

The National Highway Traffic Safety Administration estimates that 39 percent of back-over fatalities happen in driveways (or apartment/condo parking lots). Just because you're on your home turf doesn't mean you can let your guard down.

Always adjust mirrors as needed before backing out of a driveway — but don't rely on them alone. Turn your head and look behind you while in reverse, and keep the windows down to listen for animals, kids, etc. If your view is obstructed, softly tap the horn to let pedestrians know you're pulling out.

less danger + more safety = car insurance savings

By staying aware and using the tips above, you can better navigate even the most irksome driving areas. And the longer you go without an accident or car insurance claim, the less you probably pay for your car insurance policy — and there's no danger of getting tired of that.

Right-of-way laws
Learn more about driving behind school buses and other right-of-way situations.

Dangers of summer driving
Increased road construction, among other things, can put motorists in hot water during summer. We'll help you stay safe.

Safety tips
Visit our Info Center for more comprehensive info on safe driving.

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