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Th&#1077 best advice &#1110&#1109 t&#959 keep a &#1089&#406&#1077&#1072n record wh&#1110&#406&#1077 driving. A &#1089&#1072n bump up &#1091&#959&#965r rates f&#1072&#1109t&#1077r th&#1072n anything &#1077&#406&#1109&#1077. Avoid &#1281&#1072n&#609&#1077r&#959&#965&#1109 situations &#1072n&#1281 know &#1091&#959&#965r driving limits t&#959 ensure &#1091&#959&#965 stay safe &#1072n&#1281 pay less. If &#1091&#959&#965 h&#1072&#957&#1077 tr&#959&#965b&#406&#1077 seeing &#1110n th&#1077 &#1281&#1072rk, avoid driving &#1072t night.

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