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Cheap Car Insurance: Tips for Driving in the Rain

The collision rates are often significantly higher during the rain than they are during dry weather; mainly because people do not observe the very specific guidelines for driving during rainy weather. If you are looking for cheap car insurance, it is important that you are able to provide your insurance company with proof that your driving record is spotless—and knowledge of proper driving techniques during rain is critical. Here are a few tips to observe when you find you must drive during a rain storm:

Check your windshield wipers. People do not often think of their windshield wiper blades until they must be used. Make sure that the rubber is sound and they can clean the water from the windshield effectively without leaving any streaks. It is also a good idea to have a spare pair of blades in your trunk in case of emergencies.

Check your tires. Make sure your tires have sufficient tread; bald tires invite hydroplaning. Road conditions are the most difficult and dangerous at the very beginning of the rain; all of the oils and dirt are brought to the surface and render the roads extremely slippery for tires with no proper grip.

Always keep your headlights on. This is a pretty basic rule, but important nevertheless. You want to not only be able to see through the storm yourself; you want to maintain maximum visibility for other drivers.

Drive slowly. Try to drive slowly and deliberately during rain. Keep a few car lengths between your vehicle and the one ahead. It is also a good idea to drive in the tracks of the car ahead. Cars take longer to stop during rain, and hard braking can lead to dreaded hydroplaning. If you find yourself skidding, the advice "steer into the skid" is still the best. If you find yourself hydroplaning, steer the front of the vehicle in the direction you wish the front of the vehicle to go—but avoid jerking the wheel to hard, since the act of over-correcting is what leads to the vehicle spinning out of control. Also, ease off of the brakes if your car isn't equipped with anti-lock brakes. If your car does have ABS, you may brake firmly.

Try to avoid driving through water. Driving through deep water is very dangerous—both to you and your car. Submerging your vehicle in deep water can damage your sensors, soak your brakes or, if the water is very deep, flood your engine and stall it, costing you thousands of dollars in repairs, and flooding is something might not be covered by cheap car insurance.

Deep water can also sweep your car off of the road or slam your car into a violent stop if you drive through it at full speed. If you come across standing water, do your best to find an alternate route. If no alternate route is viable, proceed as slowly and carefully as possible. In order to avoid a situation where safely subverting standing water is impossible, try to avoid driving in sloping lanes during rain where water can accumulate.

Also, try to avoid splashing passersby; it's just inconsiderate.

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