Family in car

7 Safe Driving Habits To Adopt

Each time you take your focus off the road, you're putting your life and the lives of others at risk.

According to the National Highway Traffic Safety Administration (NHTSA), traffic fatalities increased by six percent from 2015 to 2016. Distracted driving, speeding, alcohol impairment and unrestrained passengers were the main culprits. The National Association of Insurance Commissioners (NAIC) provides these tips to help you drive safely behind the wheel.

Safety Driving Tips

Whether it's going to work, running errands or taking a special trip, for many, driving is a common daily activity. Yet something as normal as getting behind the wheel and driving can be anything but routine when an accident occurs. Remember, your car weighs more than 4,000 pounds, and an accident with a vehicle that is equal or heavier in size could be disastrous.

Things you should do:

  • Maintain your vehicle. Have regular checkups, and make sure your tires are properly inflated and the lights work.
  • Buckle up. Seat belt use is one of the most effective ways to save lives and reduce injuries after a crash. Yet thousands die each year as a result of being unrestrained.
  • Use smart driving positions. Keep both hands on the steering wheel, and position them at 9 o'clock and 3 o'clock, or 10 o'clock and 2 o'clock (depending on the size and style of your steering wheel).
  • Maintain speed limits. Obey all speed limits and watch out for hazardous road conditions.
  • Adhere to the 3-second rule. When driving behind a vehicle, there should be 3 seconds of distance between your vehicle and the car in front of you. That space assures your ability to properly react if something happens.
  • Map out your route. Taking your eyes of the road to program or look at a map can be a major distraction.
  • Pay attention to the road. Distracted driving is dangerous and the cause of frequent, costly and often deadly accidents. Limit your distractions, and never use electronic devices to text or surf the web while driving. Drunk or drug-impaired driving, speeding and drowsy driving are dangerous. Take the "Keep the Road Code" pledge to being a focused, responsible driver.

Download a printable accident checklist and other tips for staying calm, safe and smart on the road.

About the NAIC

As part of our state-based system of insurance regulation in the United States, the National Association of Insurance Commissioners (NAIC) provides expertise, data, and analysis for insurance commissioners to effectively regulate the industry and protect consumers. The U.S. standard-setting organization is governed by the chief insurance regulators from the 50 states, the District of Columbia and five U.S. territories. Through the NAIC, state insurance regulators establish standards and best practices, conduct peer reviews, and coordinate regulatory oversight. NAIC staff supports these efforts and represents the collective views of state regulators domestically and internationally. For more information, visit

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