Today’s student has a lot on his mind. Next week’s final, the big game, and the party scene are just some of the distractions facing our youth. Auto insurance is not a major concern for many students. The reasons for this can vary. Many young students are still covered on their parents’ policies, as they can be covered on these policies as long as the parents allow them to be. However, for all of the hard-working students that have to pay for their own auto insurance, there are a few key things to keep in mind.

Over 90 percent of automobile accidents are avoidable. The following are eight such instances where you can completely circumvent collisions with a little common-sense and precaution.

According to recent data from the National Highway Traffic Safety Association (NHTSA), alcohol-related motor vehicle crashes kill someone every 31 minutes and non-fatally injure someone every two minutes. Drugs other than alcohol, such as marijuana and cocaine, are involved in about 18% of motor vehicle driver deaths. So what can you do about it? Plenty.