Response: Immaturity and lack of driving experience are the main reasons. Compared with older drivers, teenagers as a group are more willing to take risks and less likely to use safety belts. They also are more likely than older drivers to underestimate the dangers associated with hazardous situations and less able to cope with such dangers.

Teenagers not only have higher crash rates than other age groups, but they also have crashes that are different. Analyses of fatal crash data indicate that teenage drivers are more likely to be at fault in their crashes. Teenagers’ crashes and violations are more likely to involve speeding than those of older drivers, and teenagers are more likely than drivers of other ages to be in single-vehicle fatal crashes. Plus, teenagers do more of their driving in small and older cars3 and at night, compared with adults. In 2003, 42 percent of teenagers’ fatalities occurred between 9 pm and 6 am, and 54 percent occurred on a Friday, Saturday, or Sunday.

And for 16 year-olds, all these problems are heightened. The combination of inexperience behind the wheel and immaturity produces a pattern of fatal crashes among 16 year-olds that includes the highest percentage of crashes involving speeding, the highest percentage of single-vehicle crashes, and the highest percentage of crashes with driver error. This is why the insurance companies rate this group very high for auto insurance rates. However, taking the tips and driving lessons you can have cheap auto insurance quotes.

Drive safely and carefully to save auto insurances.

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