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Teen auto insurance


Teen auto insurance rates soar drowsy driving Drowsy when driving? Be attentive otherwise teen auto insurance rates would soar.

Teen auto insurance rates soar- drowsy driving


Drowsy when driving? Be attentive otherwise teen auto insurance rates would soar.

Recent study has revealed that teenagers In a recent study, it has been revealed that teenagers crashing while driving are affected by the timing of their school and the amount of sleep they get. It is common that teenagers who are not getting enough sleep are more likely to meet with accidents since they are either working late hours or partying at late hours.

The reason for the varied crash rates as cited by Verona is that the students starting late for schools are more active as they get more time to sleep. As per the studies teenagers need a sleep of at least 8- 9 hours. Those who do not sleep enough face problems in staying alert and this may be the reason for the crashes.

Simply, a tired driver is a dangerous driver. Sleepiness slows reaction time, decreases awareness, impairs judgment and increases aggressiveness. This does not yet include the warnings on driving under influence or intoxicated or drugs. You need to know that, just like driving drunk or drugged, drowsy driving causes you to make mistakes behind the wheel — mistakes that can injure or kill the driver, passengers or total strangers. The end result is obvious to all, it leads to accidents, and ofcourse teen auto insurance rates would soar.

Get your cheap teen auto insurance rates here.

Studies on drowsy driving and teen auto insurance quotes

According to the National Highway Traffic Safety Administration (NHTSA), drowsiness or fatigue is the principal cause of up to 100,000 police-reported passenger vehicle crashes every year, killing at least 1,500 people and injuring 71,000. Many more fatigue-related crashes go unreported. But don’t blame it on the long-haul truckers: Less than 1 percent of all sleep-related crashes involve truck drivers, who are prohibited, by federal regulation, from driving more than 10 hours in a 24-hour period.

In 2003, New Jersey passed Maggie’s Law, named after a 20-year-old college student killed by a drowsy driver. The law states that a sleep-deprived driver qualifies as a reckless driver who can be convicted of vehicular homicide and serve jail time. While most states don’t have such a law on the books, the dangers of drowsy driving are now getting more attention.

These are just a few examples from the endless list of how drowsy driving is jepodising teen safety, leading to high auto insurance claims with the ultimate results of getting your teen get caught in the high teen auto insurance rates.

Check out the Insurance Forum to get answers to any querries you have or leave a comment on the blog and we will include your answer alongwith your name as a post besides answering you personally vide your email.

What are the causes of drowsy driving, know them, get your cheap teen auto insurance quote

This information is from a recent NHTSA study showed that 20 percent of crashes and 12 percent of near-crashes were caused by drowsy drivers, said Dr. Charlie Klauer, the study’s project manager and a senior research associate at Virginia Tech Transportation Institute.

How did the researchers determine a driver was drowsy? Each of 100 vehicles was outfitted with five cameras that linked to computers to record driver action and reaction. NHTSA monitored the drivers for more than one year and nearly 2 million miles of driving. Researchers determined that the drivers were drowsy if their eyes closed for longer than a blink, or if their heads bobbed forward and then bolted back upright. Also making the cut were drivers who didn’t move at all, staring fixedly ahead instead of reacting to oncoming traffic or checking the rearview or sideview mirrors.

Interesting results :
Surprisingly, the study showed that the majority of crashes and near-crashes occur during daytime hours, when roads are more crowded, rather than at night. But sleep-related accidents at night tend to be more serious because they are more likely to occur on high-speed highways and rural roads, when the driver is alone.

Among the groups studied, all the age groups had the same percentage of drowsy-driving crashes and near-crashes, except for one. “The 18-20 age group was involved in five times more fatigue-related accidents and near-accidents than any other group,” she said, due to inexperience behind the wheel and irregular sleep habits.

It’s not just age, it’s work schedule. An AAA Foundation study, based on interviews with drivers after crashes, indicated that drowsy drivers were nearly twice as likely to work at more than one job and their primary job was much more likely to involve non-standard hours. Working the night shift increased the odds of a sleep-related accident by nearly six times.

The other main cause of drowsy accidents is because of long hours of commuting. The higher the commuting time the increasing the number of drowsy-driving incidents.

Allergy, cold and flu medicines
Dr. Joel Zive, an independent pharmacist in Bronx, New York, and a spokesman for the American Pharmacists Association, cautions consumers to read their medication labels for a warning about ingredients that cause drowsiness — or ask the pharmacist. Many drivers still don’t realize that legal, over-the-counter treatments for allergies, cold and flu can cause significant sleepiness at the wheel.

For example, the antihistamines Dipenhydramine (in Benadryl), Clorpheniramine (in Clor-Trimeton) and Brompheniramine (in Diamatine) can cause drowsiness. But, the so-called second-generation antihistamines Fexofenadine (in Allegra), Loratadine (in Claritin and Alavert) and Cetirizine (in Zyrtec) are non-sedating and do not cause impairment under normal circumstances, Dr. Zive said.

How to check for signs for drwowsy driving to avoid accidents and teen auto insurance quotes to soar?

You can’t remember the last few miles driven.
You hit a rumble strip or drift from your lane.
You keep pulling your vehicle back into the lane.
Your thoughts are wandering and disconnected.
You yawn repeatedly.
You have difficulty focusing or keeping your eyes open and your head up.
You tailgate or miss traffic signs.
You have narrowly missed crashing.

< h2> Most important for teen safety and getting cheap car insurance- how to prevent falling asleep at the wheel
Here are the top 10 things to do to avoid falling asleep at the wheel, from the AAA Foundation and the University of Iowa:

1. Stop driving if you feel sleepy. Stop and drink a caffeinated beverage.
2. Since it takes about 30 minutes for caffeine to enter the bloodstream and take effect, use that time to take a nap.
3. Get plenty of sleep the night before taking a long trip — at least six hours, though more is better.
4. Don’t plan to work all day and then drive all night.
5. Drive at times when you are normally awake, and stay overnight in a hotel or motel rather than driving straight through.
6. Avoid driving at so-called sleepy times of day. Take a midafternoon break for a short nap and find a place to sleep between midnight and dawn. If you can’t nap, at least stop your drive and rest for awhile.
7. Avoid carbohydrate-laden foods that can make you sleepy, in favor of protein-laden foods.
8. Avoid allergy and cold or flu medications containing Diphenhydramine, such as Benadryl, which can contribute to drowsiness. And don’t take prescribed sleep aids, such as Ambien, until you are finished driving for the day.
9. On long trips, keep an awake passenger in the front seat. Increasing the volume on the car stereo is not a substitute for somebody you can talk to.
10. Take a break every two hours or every 100-120 miles, even if you don’t need a pit stop or gas. Get out of the car, take some deep breaths and do some stretching exercises, especially neck and shoulders, to relieve cramping and stress. And try to set a limit of 300-400 miles of driving per day.
When to take a break
In 2004, an AAA Foundation for Traffic Safety survey found that nine out of every 10 North American police officers had stopped a driver who they believed was drunk, but turned out to be drowsy instead. Johns Hopkins Medical Center says drivers should be aware of these warning signs:



Teen auto insurance
Teen auto insurance


cheap car insurance and speeding 300x225 Speeding ticket  auto insurance sky rockets, especially teen auto insurance

cheap car insurance and speeding is it possible?

Charlie Brown : Why is speeding a great deal? A speeding ticket makes teen auto insurance suck.

Response :

Speeding is a great deal especially for teen auto insurance rates, not giving you cheap car insurance.

Speeding is a great deal especially for teen auto insurance since speed causes auto accidents, which means goodbye for cheap car insurance. Secondly teens who are not experienced drivers would certainly not be able to control the car at speed and hence the chances of accidents increase. This is the reason why the auto insurance or car insurance rates increase by over 10-15% if you have speeding tickets. Naturally, since the teen auto insurance rates are higher the increase of 10 -15 % would be even higher for teen car insurance.

Facts of speeding that leads to higher teen auto insurance rates and auto accidents

Below are some facts which can clarify for you the why speeding leads to higher teen auto insurance rates and auto accidents.
• Speeding Triples the Odds of Crashing (AAA Foundation for Traffic Safety))
• It is not unusual for speeders to be clocked in excess of 40 mph (and even 50 mph on occasion) in 25-mph zones. (KKAD25)
• Speeding extends the distance necessary to stop a vehicle.
*At 20 mph the total stopping distance needed is 69 feet.
*At 30 mph, the distance needed is 123 feet.
*At 40 mph, the distance needed is 189 feet which may not be enough distance and time for you to avoid hitting an object or person on the road (USDOT, NHSTA)
• If you hit a pedestrian:
*At 20 mph 5% will die
*At 30 mph 45% will die
*At 40 mph 85% will die
(Source: NHTSA)
• At night, when you can see only as far as your headlight (160 feet in front of your vehicle), the situation worsens.
• The effectiveness of restraint devices like air bags and safety belts, and vehicular construction features such as crumple zones and side member beams decline as impact speed increases. (USDOT, NHSTA)
• Speed, defined as exceeding the posted speed limit or traveling too fast for the conditions, is cited as a contributing factor in approximately 30% of fatal crashes. (NHSTA)

Five reasons why speeding needs to be avoided and gives you cheap car insurance and teen safety

As per the Governor’s highway safety association stopping speeding leads to savings :
• Save lives – Slowing down increases the likelihood of surviving a crash. Researcher Rune Elvik found that a 1% decrease in travel speed reduces injury crashes by about 2%, serious injury crashes by about 3% and fatal crashes by about 4%. Over 12,000 people died in speed-related crashes in 2008. Don’t become a statistic.
• Save money – Speeding reduces fuel efficiency, causing you to buy gas more often. The Department of Energy estimates that, as a rule of thumb, drivers can assume that each 5 mph they drive above 60 mph is like paying an additional $0.20 per gallon for gas.
• Save the environment – According to Ford Motor Company, driving a vehicle at 65 mph consumes about 15% more fuel than driving the same vehicle at 55 mph. More fuel consumed means more CO2 released into the atmosphere.
• Save yourself a ticket – Highway safety agencies and law enforcement are cracking down on speeders. Obey the sign or pay the fine!
• Save your license – A speeding ticket could lead to points on your driving record. Too many points and you could lose your license and your insurance premiums could go up.
Most of all save your hard earned money. A good driving record would give you cheap teen auto insurance or cheap car insurance quotes, get them now.



Teen auto insurance
Teen auto insurance


cheap car insurance for young driver 6 things that can stop you from cheap teen auto insurance quotes, holy cow avoid them.

Cheap teen auto insurance quotes

Justin Biever : Thanks to your site, I got a cheap teen auto insurance quote , what should I do to get cheap teen auto insurance quotes in future also?

Getting a cheap teen auto insurance quote is easy, but maintaining cheap teen auto insurance is difficult

Response : Justin, I am glad that you found cheap car insurance quotes at this site. Yes, we have the assoication with the best afffiliates and they provide us with cheapest teen auto insurance quotes, however our other main purpose is to provide you valuable content on insurance and teen safety. Life is more valuable than money at the end of the day.

6 things that can stop you from getting cheap teen auto insurance quotes

1. Avoid speeding at all cost : You should not be speeding, since this is going to make you prone to a car accident. Besides you need to remember that if you do get traffic tickets also for speeding, your teen auto insurance quotes or teen auto insurance rate is going to increase tremendously.

2. Drunk driving is a defeinete – NO- No. Holy cow, this is no BS but being caught drunk driving or a dui conviction is going to get you a high auto insurance quote for not less than 10 years. You will bid goodbye to cheap teen auto insurance quotes or cheap car insurance for a decade!

3. Text messaging or talking on a cellphone is another major reason for teen auto crashes and deaths. Though text messaging and cellphones have been banned whilst driving in most states the teens admit to still doing this. Please check out my article on “Ophra and distracted driving” to see what distracted driving can lead too. It is best to avoid this.

4. Not wearing seat-belt: This is another big issue for teen driving that teens like to avoid wearing a seat belt. The seat belt is one of the best protection device that has been fixed in the car, especially since the speed limits allowed are high and so wearing a speed belt helps you in stopping your own momentumn in a moving car when the car suddenly collides and can be life savers.

5. Refrain from distracted driving or driving when you are tired. The reflexes are very poor when you are sleepy and driving requires high alertness. Also distracted driving or trying to put on music or talking to friends has been found to be a cause for higher teen car accidents. You need concentration and attention on the road when you are driving.

6. Breaking the traffic rules : It is true that even the traffic police are more vigilant when they see teen drivers and so its best not to break the traffic rules. Any violation of the traffic rules is going to affect your driving record and a clean driving record is the key to your cheap teen auto insurance.

Do not take all the above 6 things as some BS advice, but this is the truth and reality of getting cheap teen auto insurance.

You can maintain cheap teen auto insurance quotes/

Teens are persons who accept challenges and am sure you can accept the challenge of getting cheap teen auto insurance quotes and maintain cheap teen auto insurance quotes. Teens are never to be taken lightly.

Thnaks.
Kamlesh



Teen auto insurance
Teen auto insurance


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



Teen auto insurance
Teen auto insurance


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



Teen auto insurance
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