Many people believe that the best way to lower their car insurance premium is to spend hours surfing the 'net to get an inexpensive auto insurance policy online. We're not discounting this philosophy but, when you think about it, getting a cheap car insurance policy starts long before you fire up your computer. A key factor in lowering your car insurance premium has to be your driving record. Experts have long agreed that one way to keep your driving record clear of accidents (hence, free of car insurance claims) is to religiously practice defensive driving. Although we at CheapCarCoverage.com whole heartedly endorse this advice, we feel that there has long been a need to push the envelope of this defensive driving theory to its very limits. Presented here are four examples of Extreme Defensive Driving which, when added to your current safe driving practices, are certain to limit your exposure to automobile accidents.

1. Call off sick from work as often as possible. Obviously, if you're not driving to the office at rush hour (or driving home) you are guaranteed not be involved in any traffic mishaps. An added benefit of this practice is the extra rest you will get sleeping in on a normal work day. The reduced stress alone will help you drive better on those days when you must actually go to work.

2. Stop making Right turns. This may sound a little strange but it significantly reduces your exposure to a popular accident scenario. Depending on where you live and work this may not be an easy task which may cause you to waver in your consistent implementation of this practice. If you approach it with the right attitude – accept it as a challenge - you will soon find that the cost of the extra gasoline you burn by going miles out of your way to finally make that right turn into your driveway will be more than offset by the savings you realize on your car insurance policy.

3. Limit pleasure driving and shopping trips to the hours between 3:00am and 6:00am. There are a surprising number of benefits to this practice. The obvious benefit is the diminished amount of traffic you will be forced to contend with. You'll also find that quite a few traffic signals will be set to flashing yellow which means you won't be stopping at very many lights and , as a result, you won't be as likely be involved in a rear-end collision. Some may consider the limited shopping and entertainment choices available at these early hours a “down side” of this practice. Extreme Defensive Drivers, on the other hand, will not only appreciate the lowered car insurance rates but will also appreciate the added savings they realize by shopping for everything at the nearest twenty four hour Super WalMart store.

4. If your commute to work is a long one, consider not coming home at all on Monday and Wednesday nights. This practice prevents exposure to four rush hour drives with the added benefit of a significant savings on gasoline. You just need to find a quiet place to park your car and settle down in the back seat for a relaxing sleep. If you, like many Americans, are an SUV owner you'll have even more reason to love it when you see how comfortable that rear seat really is. Daily showering in simply not the necessity we have been lead to believe it is and it really doesn't take long to make a quick change of clothes before traffic gets too heavy.

When compared to the traditional defensive driving practices we think you will see that these extreme measures make a lot more sense. Not only can the strict adherence to these driving precepts help you obtain and maintain a cheap car insurance policy, they can also save the devoted practitioner significant money on gasoline and other consumer goods. Extreme Defensive Driving – not only does it make sense – it makes dollars and cents!