Teen auto insurance


Jackson (Kentucky): I am in Ketntuck.My freind is not wearing his seat belt- is this going to affect his auto insurance. I know this might sound silly – but I would like to know if this affects car insurance?

Auto insurance and safety

Response: Jackson, your question is not silly to an insurance underwriter. Insurance is logical. If you do not wear a seat belt than you are doing away with a safety feature and are more likely to have a higher claim or injury incase of an accident and this will certainly affect your auto insurance rate. Here is a recent news of 30th September 2009 especially for Kentucky:

“Kentucky state officials say highway fatalities are up slightly this year in Kentucky, and more than half of the victims were not wearing seatbelts.
There were 586 fatalities as of Sept. 30, up five from the same time last year.
The numbers come from the Kentucky Office of Highway Safety. About 22 percent of the deaths involved alcohol and 13 percent were motorcyclists not wearing a helmet.
Boyd Sigler, director of the agency’s division of Highway Safety Programs, says the numbers show “there is still work to be done” when it comes to highway safety education.
There were a total of 826 fatalities on Kentucky roadways in 2008.”
Yes, safety matters and I would advice your friend that as per insurance the probability of his having a fatal or bad injury with a seat belt are less than without a seat belt and hence he can certainly get no tickets, less injuries and cheap teen car insurance quote.

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Teen auto insurance

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