The increasing use of cell phones while driving has become a serious safety concern. A recently released study by the Virginia Tech Transportation Institute found that “80% of traffic accidents are caused by driver distraction and young drivers were four times more likely to be involved in a crash.” The study also showed that “about 65 percent of near-crashes resulted from driver inattentiveness in the 3 seconds before the incident.” The National Highway Traffic Safety Administration (NHTSA) reports that “in 2005, 10 percent of drivers using cell phones were drivers 16 to 24 years old.” More laws are now being enacted to end cell phone use when driving. If you are caught driving in a state that has these laws, you can be ticketed by a police officer and receive a fine. Fortunately, there a number of hands-free mobile phone accessories that people can purchase so they no longer have to worry about getting a ticket.

To eliminate driver distraction and comply with the new laws, consumers are now choosing wireless hands-free accessories that allow them to use their cell phones without having to hold them. The four types of mobile hands-free accessories include:

1. There are plug-and-play devices that plug into the vehicle’s 12-volt accessory outlet and have an integrated speaker.

2. Wireless headsets are light weight devices that plug into the vehicle’s 12-volt accessory plug so it is always completely charged. You can even purchase voice recognition technology that allows you to use the phone using voice commands.

3. A speaker-phone device that clips to the driver-side sun visor is another useful mobile phone hands-free accessory.

4. Another accessory is an installed car kit that is incorporated into the vehicle’s sound system and works by way of the speakers. There are different types of car kits that can include: LCD display that displays caller I.D. and cell phone directory, a GPS antenna that transmits the driver’s location to the display on a PDA or laptop, and the kit can have voice command capability.

Handset accessories allow you to access your handset features remotely by means of a hands free device. The mobile car charger is a hands free charger. The mobile holder keeps the handset in place. The hands-free speaker allows you to hear through a speaker without using any wires.

More states are imposing bans on cell phone use by drivers With the wide availability and varying price range of hands-free accessories, there is an accessory to meet each individual’s needs. You will no longer have to take a big risk legally and personally when driving. Because it is the law, one is mandated not to use a cell phone while driving. If your state or province has yet to enact a cell phone ban law, it is important to keep up to date on the laws to make sure your state does not suddenly enact a law banning cell phone use while driving. Using hands-free mobile phone accessories are easy, convenient, and will help reduce the chances of getting in a car accident.

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Keep these tips in mind while you apply and try to keep the auto insurance; getting the hand of them will help you keep them; if your credit is good you will pay lesser premiums. You are granted auto insurance after your credit ratings have been thoroughly checked this reflects the possibility of you ever claiming.

Unpaid bills and dues will give you bad credit, also many open and closed accounts which reflect unsteadiness are avoided as oppose to the regular accounts with a good credit rating. Your auto insurance is drawn on the auto insurance risk report, similar to your credit report, if it is good you get it.

If your credit-report is not stable, wait to steady it, work over it for a month and then go for the Insurance Quotes. The premium you pay depends upon your car-model; the rate is decided according to the Auto insurance Services Office which has devised a rating system from 1 to 27.

This Insurance Quotes rating depending on data about the vehicles safety features and possibility of theft and the higher the rating of your car the higher is the premium you pay. Visit the Auto insurance Services Office site or ask the auto insurance agent or company to inform you of the different premiums for various cars you may consider to own; surf the Internet to find out which are the top 10 most expensive cars to insure, basically do your research well.

To avoid installment fees pay your premium lump sum, instead if distributing it over the year; the option of paying your premiums over the year in quarterly, half-yearly payments are offered but they have the administrative fees attached to them which will vary according to the company. Even so ask in the Insurance Quotes if the option installments are available, pay them without fail and if you can pay them all at once then it is best as it saves you a few dollars.

If you left your bicycle in the dickey and it was stolen, the insurance will pay for the broken dickey lock but not for your bicycle; this is to demonstrate that the Auto insurance cover only your chassis. You should avoid accidents or other bad driving as this will cause your premium to rise by 40%, which means if you are already paying $400 then you will pay $160 more from the next premium due.

Though some companies do forgive the first accident, there is a wide range of qualifying variables used; ask in the Insurance Quotes for their forgiven policy. Even if it is your friend driving the car and crashes you can claim yet there will be deductibles and this will cause the premium rate to go up.

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In todays time it is becoming increasingly easy to obtain Insurance Quotes from any source be it from an insurer or on line. Even after one has obtained auto insurance there is a constant strain of rising premiums of which the company gives no explanations what so ever.

It is best to understand your auto insurance tool better to make it work well for you and secure yourself; your premiums will be fewer against a good credit. Your credit ratings are to ascertain if you will ever place a claim on the company for the auto insurance you are trying to buy.

The auto insurance company checks of you pay all your dues on time, a regular and steady account is what they are looking for, they avoid someone who is unsteady with bad credit and unpaid bills. The auto insurance risk score is drawn on your credit report besides other factors used to decide your eligibility for the insurance.

If your credit is not good its best to take a month to smooth it out and then apply for the insurance. The Auto insurance Services Office offers premium ratings from 1 to 27, which is based on the model of your car.

Your Insurance Quotes depend upon the data reflecting the safety and theft possibilities of your vehicle, the higher the risk with your car the higher premium you pay. If you already do not own a car then visit the Auto insurance Services Office or inquire with the auto insurer for the premiums of various cars; surfing the Internet for the 10 most costly cars to insure should give you some idea of how much premium each automobile may cost.

You will save on the installment fees of you pay the premium in one go at the beginning or the end of the year; the policy holders are offered options to pay their premiums in a quarterly, tri-monthly or six-monthly cycles, at a charge of an administrative fees as stated in the Insurance Quotes decided by the company. You will save a few dollars and build a reputation if you pay your premiums regularly without delay.

Auto insurance covers do not cover your personal belongings left behind in the care but only the car, for instance if you left yours perfume bottle in the glove compartment, the insurance will pay for the broken compartment and not for your perfume. If your car has met with an accident or has speeding tickets then your premium will rise by 40% immediately after the first accident; so if you pay $300 as premium the rise will be $120 and you will pay $420 as premium from the next due.

It is advisable to ask your insurance company for their forgiveness policy in the Insurance Quotes, most companies have a first time forgiveness policy but the variable of various companies vary. Be careful about whom you give your car to drive as even if they first accident maybe allowed to claim but your premium rises.

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Image Forward, an Internet Marketing Company that combines an internet business directory, website optimization, and search engine promotion for franchise and local business gains seven new clients in prominent Washington Insurance Agencies.

Headquartered in Tampa Bay, Florida, Image Forward welcomes seven new clients from the state of Washington. Image Forward, an Internet Marketing Company, features internet SEO consultants (search engine optimization) and SEM (search engine marketing) specialists who strategically combine a premier internet business directory with website optimization and search engine promotion of an existing website for innovative client solutions. Image Forward will enhance the overall internet presence of these Washington insurance agencies.

Cathy Budbill Insurance Agency, located in Seattle, WA at 929 N. 130th Suite 5, serving the Greater Seattle area, has become a client of Image Forward. This agency specializes in car insurance, auto insurance, motorcycle insurance, life insurance, home insurance, classic car insurance and more. Cathy Budbill Insurance of Seattle, WA can be reached at 206-361-3770.

Image Forward also welcomes a new insurance client from Port Angeles, Washington, Ray Gruver of State Farm Insurance. Gruver is located at 210 East 7th St.. This insurance agency provides car insurance, motorcycle insurance, life and home insurance and antique auto insurance. Ray Gruver Insurance Agency of Port Angeles, WA can be reached at 360-457-4567.

Another insurance agent from Washington working with Image Forward’s internet SEO and marketing consultants is the car insurance agency from Kennewick, WA – Bud Knore insurance serving the greater Kennewick, Washington area at 7605 W. Kennewick Ave. Ste. B. Bud Knore specializes in car and auto insurance, motorcycle insurance, life insurance, home insurance, antique auto insurance and others. Call Bud Knore Insurance of Kennewick, WA, 509-735-1521 for more information.

Image Forward will also be working with Kathy Northrop car insurance located in Everett, WA, at 10930 4th Ave West, which serves the Everett area. Kathy Northrop provides car insurance, auto insurance, motorcycle insurance, life insurance and home insurance, classic car insurance, etc. Kathy Northrop’s Insurance Agency is located in Everett, WA and can be reached at 425-355-6701.

Image Forward also welcomes a new client from Kenmore, Washington, Nancy Pipinich of State Farm. This insurance agency provides car insurance, auto insurance, motorcycle insurance, life insurance, home insurance and classic car insurance. Nancy Pipinich insurance agency is located at 6830 NE Bothell Way Suite G, Kenmore,WA. Nancy Pipinich Insurance Agent of Kenmore can be reached at 425-481-6217.

Image Forward also welcomes a new insurance client from Woodinville, Washington, Brent Ward of State Farm Insurance. Ward is located at 14623 NE N Woodinville Way #203. This Woodinville insurance agency provides car insurance, motorcycle insurance, life and home insurance and antique auto insurance. Brent Ward, State Farm Insurance Agency of Woodinville, WA can be reached at 425-488-9100.

Image Forward will also be working with Brooks Tish car insurance located in Kirkland, WA, at 12504 116th Ave NE Suite B, which serves the Kirkland area. Brooks Tish provides car insurance, auto insurance, motorcycle insurance, life insurance and home insurance, classic car insurance, etc. Brooks Tish’s Insurance Agency is located in Kirkland, WA can be reached at 425-821-1717.

Image Forward, Business Internet Promotion Experts, serving the U.S. and several countries, strives for a Top 10 Search Engine Ranking Position on Google and other major search engines for search phrases in local markets. Image Forward takes a multi-disciplined approach to making daily business operations more efficient and most cost effective.

Image Forward, headquartered in Tampa, FL, provides an Internet Marketing Business Profile Program with Internet Presence Marketing for Franchises and Private Businesses including, Car Insurance Agency from Kirkland, Car Insurance Agency from Kennewick, Home Insurance, Life Insurance and More. (813) 489-5218.