No one likes their car insurance premiums to go up. 

Higher car insurance premiums can be costly for our budget. They can also be a signal to our insurance company that you are a higher risk. 

If you have a clean driving record, you will get the lowest possible rates for your circumstances. However, just one driving infraction on your motor vehicle record (MVR), like a speeding ticket or accident, will increase your car insurance premium for a couple of years. A speeding ticket in Maryland can increase your rate by as much as 21 percent. If you are at fault in an accident, your average car insurance premium may go up by 51 percent! ***

So, driving safely is one way to make sure you keep your car insurance rates down. And, now that spring is here and summer is only a few weeks away, we will be seeing more rainy days in Northeastern Maryland. 

So, here are ten safety tips to keep in mind when driving in the rain:

1. Slow down. Wet roads reduce traction, so slowing down is essential for maintaining control of your vehicle.
2. Increase following distance - Leave more space between you and the car in front of you to give yourself more time to stop or maneuver.
3. Use headlights - Turn on your headlights, even during daylight hours, to improve visibility for yourself and other drivers.
4. Avoid sudden movements - Make smooth, gradual turns and braking movements to avoid skidding.
5. Use windshield wipers and defrosters - Keep your windshield clear to improve visibility and use your defroster to prevent fogging.
6. Avoid standing water - Don't drive through standing water, as it can cause hydroplaning and loss of control.
7. Be cautious on hills - Wet roads can cause reduced traction, making it harder to climb or descend hills.
8. Don't use cruise control - Cruise control can increase the risk of hydroplaning, so it's best to turn it off when driving in the rain.
9. Be aware of other drivers - Watch for other drivers who may be driving unsafely and avoid sudden movements that could startle them.
10. Stay alert - Pay close attention to your surroundings and stay focused on the road to avoid accidents.

Remember that driving in the rain can be dangerous, so it's essential to take precautions to keep yourself and others safe. If conditions are too severe, delay your trip until the rain stops or find an alternative mode of transportation. Keep your car insurance premiums down and, most importantly, be safe for yourself, your passenger, and other motorists.

Lindquist Insurance can give you a car insurance quote and provide the coverage you need, whether you drive a lot or not. We can discuss ways to save on your car insurance premium. Call (301) 694-0008 to speak to our experienced and licensed insurance agents for a consultation.

We serve the Annapolis, MD, and Frederick, MD areas.

*** For more information on Maryland car insurance rates visit the State of Maryland website.