Angelina :The teen auto insurance for my teenage girls have increased? I thought that the teen auto insurance rates for girls was much lower than that of the teenage boys.

Teen auto insruance rates and girls speeding
Response : Angelina, you would be suprised to note that as per the latest suurvey conduted by leading insurance company Alstate has revealed astonishing facts that the girls are speeding more than boys.

Are teenage girls catching up on teen auto insurance rates with the boys? Girls express a new need for speed.
• Nearly half (48%) of girls admit they are likely to speed more than 10 m.p.h. over the limit, versus 36% of boys
• 16% of girls describe their driving as aggressive, up from 9% in 2005

Another interesting statastics is :
Overall, the U.S. Department of Transportation says 4,054 teenagers aged 13 to 19 died in auto accidents (as both passengers and drivers) in 2008, down 54% from 1975. Boys account for about two-thirds of teens killed in vehicle accidents, but the DOT says deaths among boys have declined 59% since 1975, faster than the 38% decline for girls.

This all leads to the fact that the insurance companies who continously analysising the auto accidents which lead to their auto insurance claims and adjusting the auto insurance premiums based on their findings and claims ratio. There are many other ascpects of the Allsate surrvey. Stay tunned here, and we will discuss together each of these findings.

Yes, the main purpose is to protect and safe-gauard our teenagers and help them get cheap car insurance, which is the gaol of all teens and their parents.

Understand how the teen auto insurance ratings work and you are a step closer to cheap car insurance.

Thanks.
Kamlesh

Lebron James : What are speed traps? Is teen auto insurance rating based on speeding?

Teen auto insurance and speeding

Response : A speed trap is a section of highway or road along which traffic laws are heavily enforced. Most of the times speed traps are located in areas where motorists tend to speed, for example because the area is a straightaway or has a downhill incline. In some cases, law enforcement may decide to set up a speed trap in an area where there have been numerous traffic accidents. A police officer will park next to the speed trap and radar traffic to apprehend speeders.

Speed traps are typically set up in areas that include downhill inclines, areas where the speed limit changes, or locations such as schools and playgrounds. As locals frequent those areas and become familiar with their locations, in certain instances the offender will be a driver who is not from that area, or out of town.

Now the teen drivers who are new to driving basically like to speed and so would not be paying much attention to the speed limits or the speed traps or the police who is watching the action and hence would be caught.

Basically the teen auto insurance rate is higher and when you have speeding tickets your teen auto insurance rate would shoot up. What is more suprising and disturbing is the fact that now a days the teenage girls are also prone to speeding. This speeding is a thrill for the time being and can prove to be a dreaded mistake which will haunt you in terms of a bad driving record and high teen auto insurance quotes. Do you want to commit this mistake and be earmarked as high risk drivers?

Stop speeding and get your cheap car insurance rate now and always from here.
Thanks.
Kamlesh

Greg Coleman : : How does speeding affect teen auto insurance quote? What is a basic speed law in USA?

Teen auto insurance quote and speeding

Response : Let us first talk about how speeding affects teen auto insurance quote. Basically, teen auto insurance rates are kept higher than the normal auto insurance rates for other drivers by the very fact that teenagers or young drivers are involved in speeding and speeding lis more likely to lead to accidents.

However, once you have got an teen auto insurance quote, by comparing auto insurance quotes online which is very easy or offline- which might not give you all the options, the teen auto insurance quote is not going to be affected just by speeding, unless you are involved in an accident orget a speeding ticket. If either one of them happens than also your teen auto insurance quote will be higher and you would not get cheap teen auto insurance quotes unless you look up the quotes online. If you are involved in an accident and also get a speeding ticket, you would be paying much higher for teen auto insurance.

What is speeding?
Well, this is just reproducing something I have read since I am good at insurance but am not a traffic person.

“In most of the US, speed limit signs are posted which indicate the maximum and minimum rate of speed at which a motorist may travel in that designated “zone”. Individual states, provinces, or communities set the speed limit to suit their specific needs. Typical speed limits include a low limit for downtown driving, a higher one for highway driving, and a maximum speed for freeways and throughways. If no speed limit is posted where speed laws exist, national law should be used as a guideline: for example, if the motorist is driving on a two lane highway, the national speed limit for a highway should be complied with.

Specific wording of a basic speed law varies, but essentially it states that a motorist should not travel at an unsafe rate of speed given prevailing traffic conditions such as visibility, number of cars on the road, weather, or the type of road. In many cases, a basic speed law will also add that no driver should drive at a rate which would be considered reckless. Reckless driving is usually defined as a driving in a way which endangers life or property.

What a basic speed law means is that someone who is, for example, traveling at a posted speed limit during foggy weather could receive a speeding ticket. The citing officer could argue that the posted speed limit was not a safe rate of speed for the driving conditions. On the flip side, someone who was exceeding the posted speed limit on an open highway with no traffic and clear visibility could successfully beat a speeding ticket by arguing that the rate of speed was perfectly safe.

Most drivers are familiar with the concept of a “speed trap”, though they question the fairness of law enforcement agencies issuing a large amount of speeding tickets in areas where most of the traffic is exceeding the speed limit anyways. The issue appears to be whether or not a speed trap and subsequent large volume of tickets generated is for the greater cause of reducing speed and thus accidents, or to generate revenue for the municipality and reach ticket quotas.

I hope this helps in understanding speeding and how it would affect teen auto insurance quotes?

Anna Paguin: I have been advised by the insurance company that they want to cancel my teen auto insurance coverage for my son since he has a bad driving record. A policy will be issued to me only if I agree to have an exclusion of having my teen auto insurance coverage excluded as an excluded name driver? What should I do?

Teen auto insurance policy cancellation

Response : Unfortunately the right and correct advice in this situation is to exclude your teen and not have teen auto insurance coverage included under your auto insurance policy or else your insurance would also be cancelled.

Let me further explain that this has very serious implications and let me site a case which is true is a case of involving a minor where the parents probably had a rude awakening is Kivlin v. Nationwide Mutual Insurance Company, 765 A.2d 536 (Sup. Ct. DE). The insurance company had asked the parents and sent a notice that their policy would be cancelled if they keep their sons who have While an auto policy was in existence, the insurer sent the policyholders notice that their policy would be cancelled or not renewed because of the driving records of their two sons.
The parents agreed and signed the documents excluding the teenaged drivers from the policy. The excluded drivers never operate an auto that will likely affect the policy of the policyholder. It’s not easy to enforce this. There are actual cases where, despite some verbal warnings by parents of youthful drivers, the excluded drivers manage to get control of the family auto and become involved in serious accidents. Other cases reveal that some signers of these documents don’t take the possible repercussions seriously enough until it’s too late.

As the above exclusionary provisions reveal, any accident involving an excluded driver precludes coverage, even for the innocent policyholder! Some of these excluded drivers may be irresponsible and could care less what happens when their parents or spouses lose their homes and other assets. Others may be more sympathetic after something happens. What policyholders need to realize, however, is that their assets are at stake, and no one else’s. When an accident actually occurred with one of the boys driving the vehicle the insurance company did not pay the claim.

It would be much advisable to take a seperate policy for the teenager and ask him to pay so that he becomes responsible and secondly if you search online even here you will find cheap teen auto insurance quotes. Why not compare and get cheap teen auto insurance quotes now? You cannot handicap the teenager from driving since communting is going to be a necessity in his life.

Thanks.
Kamlesh

Teen auto insurance quotes and teen speeding.

Chris Lang : Teen auto insurance quotes and teen safety is a a great issue because teenagers like to speed. Should this be Oprah’s next campaign? Is there any way the teenagers would stop speeding?

Teen auto insurance quotes and speeding.

Response : Chris, I agree with you that we speeding is a great issue for teenagers and young drivers . Speeding is responsible for fatal death of teens and their friends. Those who see their friends death in front of their eyes are greatly affected emotionally and mentally and the auto accident leaves an ever lasting effect on their lifes.

As per the National Highway traffic safety association here are some statastics :
* Of all drivers aged 15-24 years of age involved in fatal crashes, 32 percent were speeding.

* Of drivers under age 21 involved in fatal crashes, 38 percent of the male and 24 percent of the female
drivers were speeding.

It is really suprising that teen girls are almost equally prone to speeding as the teenaged boys and what might suprise you more is that girls speeding are more likely to be involved in a fatal accident than the boys.

Here are some more facts on speeding in general :

*Sixty six percent of speed-related crashes involved a single vehicle.

* Sixty percent of all speed- related fatal crashes occurred at night (6 pm to 6 am).

* Drivers involved in speed-related fatal crashes are more likely to have a history of traffic violations.

* On average, 1,000 Americans are killed every month in speed-related crashes.

These facts are naturally very distrubing but unfortunately a reality. What I would like the teenagers and their parents to focus here is that night driving is something that should not be allowed and it is defienetly dangerous. Secondly, it is time we paid attention to the children incase they had some traffic violations, since this is an indication to us that something needs to be done for the teenager.

Naturally if speeding is there and accidents occur the teen auto insurance quotes would remain high and thus speeding and traffic violations need to stop to get cheap teen auto insurance and keep our teen safety. We want them to be safe and enjoy life to the fullest in a safe manner. They do hear our message and am sure they will put it into practice, after all they will be responsible and patient.

Thanks.
Kamlesh