Teen auto insurance


Daniel: What are the reasons of restrictions of Graduated Driver License? How is this related to my car insurance?

Response: Daniel, Graduated Drivers License (GDL) has three main restrcitions : number of passangers you carry, night driving and speed. Now taking into consideration the restrictions, first the number of passengers. When teenage drivers transport passengers there is a greatly increased crash risk, according to a March 2008 NHTSA report. When there are multiple passengers, the crash risk is 3 to 5 times greater than when driving alone. In California, Massachusetts and Virginia, passenger restrictions have reduced crashes among 16-year-old drivers. Crash involvement per 1,000 16-year-old drivers fell from 1.07 to 0.85 in California after passenger restrictions were passed. The reduction was from 0.88 to 0.61 in Massachusetts and from 1.41 to 1.10 in Virginia. The Children’s Hospital of Philadelphia and State Farm released a study in 2007 that found that children are safer when riding in a vehicle with a teen driver who is their sibling rather than a teen driver who is not related.The study showed that children’s risk of crash injury when the teen driver is a sibling is 40 percent lower. Some states allow teen drivers to have only family members as passengers.

Secondly fatality and injury crash rates for 16-year-old drivers were 20 percent lower in states with nighttime and passenger restrictions than in jurisdictions that lacked these provisions, according to a study released in 2006 by the AAA Foundation for Traffic Safety. Study conducted by the Traffic Injury Research Foundation (TIRF), found that twice as many teens who had not been involved in a crash reported never having violated their state’s passenger restriction provision, as opposed to teens who had been involved in a crash.

Third, according to a 2005 study by National Institute of Health and Westat it was found that, when teens drive other teens, they tend to drive faster than other motorists and leave less distance between their vehicles and the vehicles in front of them. They speed more frequently when there are other teens in vehicles, especially males.

If restrictions are in place the accidents are prevented and thus the teen auto insurance rate is reduced. Obtain cheap auto insurance.




Teen auto insurance

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Filed under: Discounts on auto insurance

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