Road rage is regrettable, you know that. What you might not know is that both succumbing to and avoiding road rage can impact
what you pay for car insurance. We're here to explain — and even give a few tips on finding your inner Zen the next
time someone cuts you off.
a rapid road-rage review
For that first driver in existence, nothing was more relaxing than a drive through the countryside. But along with the inevitable
second driver came traffic, accidents, stress — and road rage. Though this phenomenon probably isn't new to you, it
helps to review.
According to the National Highway Traffic Safety Administration, road rage is subtly different from aggressive driving. Aggressive
driving violates traffic laws, whereas road rage involves more serious criminal actions that knowingly endanger other drivers
and passengers. Running a red light to make a date is aggressive driving — running that light to tailgate a car you
think cut you off is road rage.
The AAA Foundation for Traffic Safety places aggressive tailgating, headlight flashing, and deliberately blocking other cars
among the most frequent expressions of road rage.
how road rage can impact your premium
The primary reasons to avoid road rage are safety and general decency. A little further down the list is controlling what
you pay for car insurance.
Because your car insurance rate is partly determined by your driving history, a road-rage incident, when it shows up on your
record as a criminal offense, is a serious red flag. Insurers may charge more for the policy to cover the added risk posed
by a driver with any kind of criminal driving history.
Road ragers may also have difficulty getting full payouts for their car's damages. Most insurers restrict coverage for deliberate
or reckless acts like road rage.
On the flip side, drivers who abstain from road rage will probably have a better shot at avoiding needless accidents, and
can then benefit from Esurance's premium-reducing perks like our Claim-Free discount or Good Driver discount.
how to avoid road rage (with advice that’s sage)
There's a lot of well-worn guidance on road rage: don't retaliate, don't take it personally, get plenty of sleep, etc. While
valid, you've probably heard it all before.
So here are a few pointers you may not have considered to help keep aggressive drivers at bay and stop you from becoming
- Leave space to pull around the car in front of you. Seems simple, but in heavy traffic, people tend to
drive bumper-to-bumper. Leaving some wiggle room can reduce vulnerability if the driver in front of you gets aggressive.
- Ease your grip on the wheel. All that churning of the steering wheel, according to the AAA Foundation for
Traffic Safety, can cause headaches, making a bad situation worse.
- Crank some tunes, not the engine. Instead of listening to your own muttering, try listening to music as
it can help keep you calm.
To file a claim if you've been in a road-rage incident, or simply to get more expert advice, we're always here to talk at
It pays not to rage
Find out about the various safe-driving discounts that Esurance offers.
Drowsy driving and its effects on your car insurance
Sure, road rage is dangerous, but so is tired driving.
Read this report to learn more about road rage and aggressive driving.
Knowing the rules of the road can help you avoid cutting drivers off.
More about car insurance
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