Distracted driving remains one of the leading causes of auto accidents—and many of those incidents result in costly insurance claims that could have been avoided. At Midwest Certified Insurance Agency, we believe that safe driving protects not only lives, but also your financial well-being.

Here are five practical tips to help you stay focused behind the wheel and reduce your risk on the road.

1. Set Your Phone to Drive Mode or “Do Not Disturb”

Cell phone use is one of the top contributors to distracted driving accidents. Texting, scrolling social media, or taking photos can wait—your attention belongs on the road.

Most smartphones can detect when you’re driving and automatically activate Drive Mode or Do Not Disturb While Driving, which limits notifications and sends automatic replies to incoming messages.

Many vehicles also support Apple CarPlay and Android Auto, allowing you to manage navigation, music, and calls using voice commands and your vehicle’s display—helping reduce manual distractions.

2. Make Adjustments Before You Leave

The less multitasking you do while driving, the safer you’ll be. Before pulling out:

  • Adjust mirrors and seats

  • Set your GPS route

  • Adjust climate controls and audio settings

Planning your route in advance and checking traffic conditions can also help reduce stress and the temptation to make last-minute adjustments while driving.

3. If You’re Drowsy, Pull Off the Road

Drowsy driving is a serious—and often overlooked—form of distracted driving. Fatigue can slow reaction time and impair judgment, increasing the risk of a crash significantly.

If you feel tired, don’t push through it. Safely pull over, stretch, step outside for fresh air, or rest your eyes for 10–15 minutes. Getting home a few minutes later is far better than risking an accident.

4. Avoid Eating While Driving

Eating behind the wheel diverts attention from the road and often requires taking a hand off the steering wheel. Spills or dropped food can further increase the risk of distraction. To stay focused and safe, avoid eating while driving altogether.

5. Store Loose Gear

Loose items on the floor or seat can roll around and tempt you to reach for them while driving. Secure bags, water bottles, and other belongings before you leave to keep your focus where it belongs.

Stay Focused. Stay Protected.

Safe, attentive driving helps prevent accidents, injuries, and avoidable insurance claims. If you have questions about auto coverage or ways to protect yourself and your family on the road, the team at Midwest Certified Insurance Agency is always here to help.

Drive smart. Stay safe.