What counts as distracted driving? Tips to reduce electronic distractions

(NC) Picture this: you're on the road with your seatbelt buckled and phone out of sight because you're a responsible driver. You’ve safely stopped at a red light when you hear a text message ding on your phone. You check the message and punch out a quick one-word reply. No harm done. Light turns green and off you go.

But did you know that by writing out that one word, you may be breaking the law?

All provinces and territories in Canada have bans on using cellphones or hand-held electronic devices while driving. Penalties can include fines and demerit points.

What can you do legally while driving?

• View the display screens of GPS units
• Use a hands-free wireless communication device if you absolutely have to take a call

Even with these exceptions, it's wise to reduce distractions from your phone or other devices as much as possible. According to CAA, you’re 23 times more likely to be involved in a collision if you text while driving and four times more likely if you talk on a phone.

Focused driving helps save lives and maintains your good driving record, but it can also help save you money. For instance, safe, non-distracted driving could lead to insurance savings from providers like TD Insurance. For their customers who haven’t been in an at-fault or partially at-fault accident for at least six years and have accident forgiveness in their policy, they could be "forgiven" for the first at-fault or partially at-fault accident. This means their premiums won’t increase at renewal as a result of the accident.

“Canadians work hard, and we want to help them secure the best protection while keeping money in their pockets by making them aware of how they can save on their insurance," said Bruno Jauernig, vice president, TD Insurance.

"From claims-free rewards for safe drivers, to preferred rates for alumni and professionals, policy discounts and savings start to really add up, which could make a huge difference for Canadians, especially in today's economy."

Here are some ways you can reduce electronic distractions:

• Know your route: Map out a route before driving, or use the voice navigation feature on your GPS or map app.
• Set a playlist: Decide before you drive what music to listen to. If you are travelling with others, designate a DJ in charge of setting the vibe.
• Turn off notifications: Put your phone on vibrate to limit incoming distractions. Remember, there’s nothing so important it can't wait until after the car ride is over.