Janet: I am looking for two things cheap teen auto insurance quote and a safe car-new model 2010 for my teen? Any information will be welcomed.

Response: Yes, you are a smart parent. Do you know that insurance companies give cheap auto insurance quotes for cars which are safe since the chances of fatality and accidents are less for these cars? The insurance companies are constantly researching and collecting data.

The Virginia-based Insurance Institute for Highway Safety awarded its “top safety pick” on Wednesday to 19 passenger cars and eight sport utility vehicles for the 2010 model year.

The vehicles are selected for best protecting motorists in front, side and rear crash tests based on Institute evaluations during the year. The vehicles are required to have electronic stability control, or ESC, to qualify for the award.

Ford, Subaru and Volkswagen lead the insurance industry’s annual list of the safest new vehicles. Here is a list of some of the vehicles for your ready reference:

Ford Taurus
Lincoln MKS passenger cars
Volvo S80
C30 passenger cars
XC60 and XC90 SUVs.
Subaru Legacy,
Outback
Impreza cars
Tribeca
Forester SUVs.
Buick LaCrosse
Chevrolet Malibu
Honda Civic
Honda Element.
Nissan Cube,
Kia Soul
Mercedes C Class.

These cars have withstood all the different test of crash and safety and hence you would be able to get both your wishes fullfied for cheap teen auto insurance and also for teen safety whilst driving.

All the best.

Kamlesh

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Robert (Neveda): I had a car accident last week and my car is a total wreck. Luckily I was not hurt nor was any one else hurt. Now my auto insurance premium and car insurance quote is going to increase. However, at the moment I am looking for some information on auto insurance claims. Please help me.

Response: Robert, I am happy that you are fine and were not hurt. Do not worry about getting cheap teen auto insurance quote, I wil help you with this later. First lets talk about car insurance claims.

The insurance companies would h, auto insurance companies estimate total cost of auto repairs in one of two ways, one is with an estimate from an auto repair shop or through a claims adjuster.

This is a case of own damage of auto insurance. For example, the driver hits an animal and causes damage to the hood and the engine. The car is smoldering and must be parked on the side of the road. The driver must call his or her auto insurance company to file a claim and to have the car towed to an auto repair shop where an estimate will be performed.

If the damage is serve they will ask their adjustor to adjuster to the scene. The claims adjuster will then proceed to verify the loss after the driver calls the auto insurance company and files an insurance claim.

The role of the claims adjuster is to inspect the car for damage and estimate the cost for repair. Claims adjusters are highly trained to spot damage on all parts of the car, even underneath.
After inspecting the car, the claims adjuster determines the initial estimate based on parts and labor. The auto insurance company then takes this estimate and executes an automated claims process using proprietary auto insurance industry.

If the auto insurance believes that the car is a total loss due to damage incurred it performs an evaluation of the car to estimate the actual cash value (ACV). If the cost to repair the car falls between 51 to 80 percent of the car’s ACV, the auto insurance company determines that the the car is a total loss.

Once the auto insurance declares the car a total loss, two choices are presented to the driver: receive the actual cash value of the car from the auto insurance company toward the purchase of a new car; or keep the damaged car (if drivable) and pay for auto repairs out of pocket.
In conclusion, an auto insurance company declares a car a total loss when it determines that the cost to repair the car exceeds its actual cash value. While the owner can keep the car (if drivable) with the current auto insurance, the auto insurance company will not pay for repairs.

Hope this helps you in understanding how it auto insurance claims work. Let me know if you need any more support on this. By, the way your auto insurance quote will not increase till your renewal. When you are going to have your renewal, plug in the details here and am sure you will get a cheap auto insurance quote.

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Janet Jackson: What is the Safe Teen and Novice driver Porteciton Act 2009. How does this help auto insurance and getting cheap teen auto insurance quote?

Novice driver cheap car insurance and safety

Response: Janet, this act certainly will help the auto insurance companies to curtail their losses since the auto accidents wiil be preventer. Yes, the novice driver and teens will certainly get cheap auto insurance by virtue of this since this will curtail the night time driving when most accidents occur. The training will help the novice driver in becoming mature and good drivers and over all the accidents would be reduced.

The Safe Teen and Novice Driver Uniform Protection Act of 2009 (STANDUP Act) was introduced in April 2009 by Reps. Tim Bishop (D-NY), Michael Castle (R-DE), and Chris Van Hollen, Jr. (D-MD). This legislation would establish minimum federal requirements for state GDL laws and encourage all states to adopt GDL laws that meet those minimum requirements within 3 years.

For 3 years following enactment of the STANDUP Act, states with the minimum GDL requirements would receive grants to help them with GDL education and enforcement.

For states that don’t comply with the STANDUP Act minimum requirements within three years, the Secretary of Transportation would withhold a percentange of certain federal highway construction program funds. Funds that are withheld would be returned to states that comply within 3 fiscal years following the fiscal year for which funds were withheld. Withheld funds that are not recovered by a state within the 3-year period would be forteited and returned to the U.S. Treasury.

Here is an overview of the STANDUP Act:
States must meet the following requirements under the STANDUP Act:

Thanks.

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Robert Patterson (Los Angles): Do you agree that teenagers will get cheap car insurance quote on account of cell-phone bans? Is this ban justified?

Tenn auto insurance rates and bans

Response: As an insurance person, parent and a social well-wisher I totally agree with the cell-phone usage ban. Secondly, it will certainly benefit all the insurance company and the people, since the lives would be saved and also it will prevent accidents. Yes, cheap car insurance quotes would be possible for all, since auto insurance rates are directly related to the auto insurance expenses.

One study indicates that driving while talking on the phone increases the risk by four. Another study shows that driving while distracted, such as adjusting the radio, engaging in a heated discussion with a passenger, or talking on the phone, may cause between 20 and 30 percent of all United States automobile accidents. Other studies, based on driver simulation tests, conclude that people have difficulty multitasking.

Automobile accidents are a major cause of death in the United States and are the single most common cause of death among children and young adults. According to the U.S. National Highway Traffic Safety Administration (NHTSA), over 6 million police-reported automobile accidents occurred in 2001, which constitutes 1 every 5 seconds. On average, a person was injured in one of these crashes every 10 seconds and a person was killed every 12 minutes. The NHTSA estimates that the annual cost of automobile accidents is $230 billion.

Cell phone usage has skyrocketed in the United States during the last 20 years. There were only a few thousand cell phones in 1983.6 According to the Cellular Telecommunications and Internet Association (CTIA), cell phone usage has shown a steady increase as follows.

NHTSA estimates that 73% of the people use cellphones when driving. This would mean that cellphones are a big source of distraction. This distraction, which leads to accidents must be stopped. Almost 70% of the accidents in youth have been attributed due to distraction and it is undoubtable that today cell phones are one of the biggest distraction.

Robert, I am sure now you know why this ban was necessary. I can give you more data and example of teen auto accidents which were caused by use of cellphones, if you want them.

Happy motoring.

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Eric (Neveda): I am a teenager and as per the tip to get cheap teen auto insurance quote I took up graduadted licensing lessons and got cheap car insurance rates, but there are restrictions for night driving, why is this so?

Cheap teen auto insurance and restrictions

Response: Eric, I can understand your frustration but am happy that you got a cheap auto insurance quote. Now let me give you some details which I found out from NHTSA. According to the NHTSA, Saturday and Sunday nights between midnight and 3 a.m. are the deadliest three hours on the road, with a total of 2,451 fatal crashes in 2004, 76 percent of which involved alcohol. Even though all these new preventive measures, accidents still are happening.

So you now know what time of day to avoid, but do you know which time of year? As per the report August topped the charts with the most fatal crashes in one month and December had the most overall automobile accidents, totaling 601,000- something to keep in mind during your vacation and holiday travels!

I know that none of us like restrictions, but no rules and regulations are baseless or without any reason. From the above information you will now understand why the night restriction is kept. It is for your own safety. Secondly, this is why the traffic authorities are very vigilant in the vaccation period.

Secondly the car Your car can affect your car accident severity. The vehicle you drive also can play a large role in your car accident. Passenger cars and light trucks accounted for nearly 95 percent of the 11 million vehicles involved in motor vehicle crashes in 2004. Large trucks only accounted for 15 percent of the vehicle accidents. In addition, we saw an increase in vehicles rolling over during an accident. Of the vehicles that rolled over, utility vehicles presented the highest rate at 36.2 percent in fatal crashes, 9.6 percent in injury crashes and 2.4 in property-damage-only-crashes. Regardless of the crash severity, the majority of these accidents occurred during daylight, in normal weather conditions, while the vehicle was going straight.

Please follow all the traffic regulations and do not worry about the restrictions, these are the factors that save you from accidents, auto insurance claims and help you get cheap car insurance.

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