In order for Fort Worth, Texas auto insurance rates to come down in price, there needs to be a reduction in the number of accidents among the drivers who are insured in Fort Worth. It is also of great importance that the number of serious injuries also comes down. The SHARP(SAFETY AND HEALTH ACCIDENT REDUCTION PLAN) is designed to educate drivers on safe driving habits which will hopefully bring down the number of accidents and severity of injuries that occur as a result of traffic accidents.
Car insurance premiums are always based on the risk that a driver presents to an insurance company. If you can fit a whole group of people into a low-risk category, you can offer that group a better rate on their car insurance. Fort Worth, as a group can achieve low-risk status by following the recommendations in the SAFETY AND HEALTH ACCIDENT REDUCTION PLAN.
Under SHARP, defensive driving could be one way of lowering the chance of getting into an accident and make it less likely that an insurer will have to pay out an expensive claim. The fewer accidents that take place on the streets of Fort Worth and in other areas around this West Texas city, the lower the costs that you will pay when you sign up for an auto policy.
You are also less likely to be seriously injured if you do get into a car accident if you are wearing your seatbelt and you have airbags that are charged and will deploy if you are in a crash.
In Texas, there are a lot of wide open spaces and people get in the habit of speeding. While it may be okay if you are on a wide open stretch of highway, but it can be very unsafe. To find out more about the SHARP program, give us a call and ask an independent agent to explain the details.