Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Aug 11, 2021

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Key takeaways...

  • Halloween can be dangerous for both drivers and trick-or-treaters
  • Always stay alert when behind the wheel
  • Never drink and drive and never text while driving

Car insurance companies calculate, compare, and forecast a wealth of information. Using this information, they determine the risk of drivers.

A lot of this data can be used to help drivers enjoy a safer driving experience and raise awareness about times of the day when accidents are prone to happen. It is no surprise that holidays are some of the highest risk days to drive as far as accidents are concerned.

Halloween is fast approaching and typically there will be more people, particularly children and young adults, walking the streets this Halloween weekend. So it is crucial to be aware of your surroundings more than ever for safety as well as to keep your driving record clean. Being an alert driver can not only keep you from being in an at-fault accident, but it can help you avoid accidents from being caused by inattentive drivers.

Auto insurance companies are big proponents of automobile safety. While you should follow these tips all year round, sometimes it’s helpful to have a reminder, especially this time of year. Sure, keeping a clean driving record can help keep insurance rates low, but the important thing is safety first!

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What are the best “safety first” tips?

This is also the most dangerous driving time for young pedestrians to be on the road according to the U.S. Department of Transportation.

If Halloween is a Sunday this year pay close attention when driving a vehicle this Halloween weekend and try to remember some of these tips:

  • Always keep your lights on and drive slowly in residential or populated areas carefully watching parked vehicles for children or passengers getting out.
  • Be aware many children’s costumes are dark and may be hard to see. While a pumpkin is orange, ninja, witch, and pirate costumes are black, and lots of kids want to be Captain Jack Sparrow when they grow up.
  • DO NOT use your cell phone when driving. Text messaging and cell phone usage are two of the largest contributors to car accidents around. Nothing is more important than your own safety and the safety of others, it can wait until you have parked.
  • Watch for broken streetlights. Many neighborhoods have poor lighting so be aware of your surroundings and don’t rely on streetlights to automatically show you children may be around.
  • Do not drink and drive. This is may sound like a repetitive tip but DUI is most common around holidays. There is absolutely no reason to drink and drive, particularly since rideshare services, like Lyft or Uber, are so readily available. Now more than ever, having DUI-related accidents or a drunk driving offense is avoidable.

Halloween is a memorable evening for all children. Remember that the safety of the night depends on responsible driving from adults and young drivers alike.

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