Amish Shah : I have a teenaged son, who has just turned 17 and is looking for cheap car insurance quote for young drivers like him. We reside in Wisconcin.

Wisconsin Teen Drivers Buckling Up More Than They Used To : Denying cheap car insurance for themselves
Response : Amish, one main thing for getting cheap car insurance is to have an excellent driving record and stay away from distraction. At any cost drunk driving should be avoided. Just to let you know that of recent as per the Insurance times news of December 29, 2009,Wisconsin teenagers are buckling up more than they used to. Teen car insurance quotes are thus getting impacted by the driving habits of young drivers.

A new survey of the state’s high school students of more than 2,400 students in 57 public high schools was done in the spring.
shows that only 15 percent say they rarely or never wear a seat belt when in a car driven by another person. That is nearly half as many as said in 1993 that they don’t buckle up.

Nearly one-out-of-four students reported riding in a car with a driver who has been drinking alcohol. That was down from 39 percent in 1993.

Nine percent reported driving a car after having drunk alcohol. That’s down from 15 percent in 1993.

For teenagers who are already considered a high risk group, the only way to get cheap car insurance or cheap teen auto insurance is to have good driving habits and staying away from drunk driving at all cost. Other discounts would help in getting a cheap car insurance quote, but a bad driving record can wipe out all the advantages of any discounts and also a good driving habits can get you cheap cheap car insurance quotes.

Thus my advice to you as a parent is to try and instill excellent driving habits. Teenautoinsquote.com is continously providing you information on safety and auto insurance tips.
Best wishes for 2010 to all my readers.
Thanks.
Kamlesh.

Paul Colligan : I am looking for tips to get cheap car insurance for my son a young driver of under 21. Your expert views will be appreciated :

10 tips to reduce car insurance cost

Response : You are one of the many parents who is looking for tips on getting cheap car insurance for young drivers. The most important thing is first to find the cause – reason for insurance rate being high for this group and than go about getting ways to get cheap car insurance.
The cost of insurance for this group in particular is high and if given the option, most car insurance companies would not want to take the risk from this age group. Studies have shown that young drivers between the age group of 16 to 21 are 10 times more prone to accidents than those in the rangefrom 30-59 years old. Insurance companies consider them the high risk group as they lack the driving experience and are usually unable to handle pressure situations. This group are aggressive drivers, easily influenced to taking of drugs and or consuming alcohol which are the main causes of most accidents. It is no wonder that insurance companies charged a very much higher premium for these young drivers.

Despite these negative facts about young drivers, all is not lost as even for this group, some discounts are still available. Below are some tips to reduce the insurance premium which should encourage them to be more responsible and careful when they are behind the wheel:-

1) Help your young drivers learn and be aware of the traffic laws. All traffic rules should be obeyed at all times to avoid being issued with traffic tickets or being involved in accidents. These are of no help in your effort to reduce car insurance cost for your family.

2) Set a good driving example for your children, right at an early age. Avoid road rage at all cost since agressive driving is another main reason why the car insurance cost for this group is high. If you would to shout at other drivers on the road, use the cell phone or even break the speed limit whilst behind the wheel; how would you expect your children to do differently when they are able to drive? Observed and analyzed your driving habits. Set good examples for them to follow and they will be good drivers in future. Remember, children tend to follow the examples set by adults; especially those of their parents. Be it good or bad examples.

3) In most cases, it will be better to include your teenager into your policy as an additional driver. He or she will then be able to qualify for the discounts you are currently enjoying. Should you purchase an independent policy, he or she may not enjoy the discounts and probably has to wait for at least three years to do so.

4) Motivate your son or daughter to get good grades in school/college. Inform them that by doing so, insurance company will consider them as responsible and would qualify them for discounts on their premium. Better still, you could pass on some of the savings to them as incentives if they continue to get good grades.

5) Encourage your teenager to attend courses on driving, in particular courses on defensive driving. Make sure to check with your insurance provider to ensure that the course offered by the school/college is recognize; so as to qualify them for farther discounts on their car insurance.

6) Buy an old reliable small family car, fitted with the necessary safety equipments for your young driver. Although most teenager may not like the idea at first; explain to them that it is for their own safety, as well as it contributes to a lower car insurance premium. A new flashy sport car may be nice to have but it may attract unnecessary attention (to car thieves) and encourage one to drive fast, thus increasing the risk of accidents.

7) Take this as an opportunity to interact and better understand your teenage son or daughter. Discussed with them the various ways to reduce the cost of car insurance for the family. As in tip No. 4, you may also pass a part of the savings for their ideas and contributions. Do not always make this as a habit of rewarding them or else they may get use to the idea of emptying your pockets at every opportunity. Motivate and reward them as and when necessary.

Discussed and explain to them about the ills of drugs and alcohol. This should be done especially if your teenager always feels that they have everything under control. The consequences of their ignorance on these topics could be catastrophic and even causes death, especially when they are behind the steering wheel.

9) Advise your young driver about the consequences of receiving traffic summonses/tickets. Depending on the severity of the offences, one may even be suspended from driving for a period of time.

10) Take a ride with your young driver from time to time. You may be able to spot some of his/her mistakes or bad driving habits. Point it out to them in a tactful manner and in due course, they will learn to be good drivers. If they are doing a job driving, praise them for their effort.

There you are the 10 tips on what you and or your teenager can do to reduce the premium on your family car insurance. In 2010 with the new changes in car insurance monitoring their driving with a GPS or web is also an alternate for the parents. Initially you may be of the opinion that it is not only difficult but also expensive to obtain cheap car insurance for young drivers. With the knowledge gain and some negotiating skills, you should be able to get cheap car insurance for young drivers.

Teenautoinsquote is here to help you, 24/7 .You can get a free auto insurance quote here at no obligation. Let us know any of your questions and we will do the best to help. The purpose of the web-site is not to sell insurance but bring in information and the best quotes.

Cheap car insurance- Say no to DUI

Christmas is the time for celebration. Its party time for all of us, especially the teens, the college students and the young people. They have to live up to it. Cheers and Merry Christmas.

The Highway patrolling will be on the alert and your driving license could be suspended. Texas, Florida, Colorado have high patrolling.
Please do not ruin your Christmas with drunk driving and do not give away your cheap car insurance, more so do not risk your and your friends or loved ones safety!!! Do not drink and drive.

This is the time when young drivers like you get involved in a drunk driving accident. See the statastics and do not become just a statastics.
Car insurance for young drivers news – Car accidents takes away cheap car insurance.
Alcohol is the cause of 60% of all teen deaths in car accidents.
31% of teenage drivers who are involved in fatal car wrecks had a blood alcohol concentration of .08 or higher.
Teenage boys who have a blood alcohol concentration of .05 are18 times more likely to suffer a single vehicle crash than a non drinking teenage boy.
Teenage girls who have a blood alcohol concentration of .05 are 54 times more likely to be involved in a vehicle crash.
Nationally in the United States, over 12% of all fatal crashes were alcohol related and 40% of those involved teenage drivers who were drinking.
Teenagers are less likely to drive drunk than adults.
Adolescents are more likely to drive drunk than teenagers.
Eight teens die daily in alcohol related vehicle crashes.
Each day 1,400 injuries and 15 deaths occur to teenage drivers, 40 percent are alcohol related.
Almost 1,500 teens age 15-20 die in car crashes annually in the United States.
The excuse given by teens who were caught drinking and driving include: Prom, graduation, spring break and breaking up with their boy or girl friends.
Six of ten high school juniors and seniors admit to riding with an alcohol impaired teenage driver.
The number of teenagers who drink in cars is about 40%. Of that number, 40% of those were teenage drivers who were drinking.
Alcohol is the cause of 60% of all teen deaths involving car accidents.
21/12/2009Happy Christmas. Remember that getting involved in adrunk driving is going to be a costly and dangerous for you. If you are drunk:
1) Call the taxi.
2) Have coffee
3) Stay with your friend and do not drive.
4) Have some food.

Enjoy yoursef and Merry Christmas.

Robert Cori : Young drivers look for cheap car insurance quotes and so am I? I am broke and I need to desparately get cheap car insurance. Any help would be welcome.

Response : Each young driver, college student or teenager needs a car and cannnot do without one. I want you to go through this post carefully and understand the key pointers that can get cheap car insurance.
you need to take action, since without any action everything is useless. Also do it now .
• Compare car insurance quotes from a multiple insurance providers. Car insurance is not a one time expense but a recurring expense. Shop around for quotes. Nowwith intenet you can easily get the car insurance quotes, luckily, you no longer have to sit down with a phonebook and call 10 of the top insurance companies to get auto insurance quotes. Now you can simply input your information and driving history online, and you will get in return, a comparison of rates from many of the top insurance companies including details of coverage. If you’re looking for cheap auto insurance, you just have to make sure you compare quotes.
• Your driving history is very important – Keep your record clean.
While it’s true that your insurance rate may go up after an accident, or driving offence, it really depends on what the company’s policy and their underwriting philosphy. What you need to remember is that this is constantly changing also for the same company depending on their experieince and the top management and hence you can always try. Some insurers are liberal, while others are more rigid and charge higher auot insurance rates. You need to be a responsible and mature driver. If you are one, most of the battle of getting cheap car insurance quotes is won by you. You can get out of being labelled as a high risk by establishing a good driving record.
• Ensure a good balance for your deductibles. It’s true that if you increase your deductibles, then insurance companies will give you a better rate. This is because you will share the risk and will be paying part of the los. Beside the insurance company does not have to pay expenses on small claims. Seocndly, you will be motivated to drive cautiously and will be better for your driving record in the long-term. So, cheaper auto insurance can be yours if you are willing to take on more of the responsibility if you get into an accident.
• Your car should “measures up”
The Insurance Institute Information site publishes a list of safe cars, please go thorugh my blog post on “safe cars”. When you buy a car try to buy one which is considered safe. Avoid racing cars or sports cars if you want cheap car insurance premiums. Getting a vehicle that “measures up,” in terms of not having a history of high collision/accident, comprehensive, or theft claims, will help your get cheap car insurance because you will have a low-risk automobile.
While there are many other pointers you could explore, which relate to the state of your car, others in your household, driving history, frequency of use etc. etc., the main thing is: be informed and know what you are getting into. Cheaper car insurance is something that you can achieve, especially if you shop around.
Please continue to keep an ongoing dialouge and try for a quote now.

Andrea : I am a young driver and do you have any ideas of how to get cheap car insurance rates for young drivers ? I know that we fall in the high risk class.

Response : Andrea, I would like to give you the basic five tips for getting the cheap car insurance rates for young drivers. :

1) Slow down. Young drivers who have had accidents or serious traffic violations usually pay more than those with clean driving records, so consider safe driving a financial investment. Some insurance companies offer as high as 20% discount on good driving records.
2) Buy the right car. A car’s value, age, safety record and repair costs, as well as the likelihood that it could get stolen, all help determine insurance premiums. Please check the article on top safety for 2010 which contains a list of cars which are safe for young drivers. These cars will certainly carry cheap car insurance rate for young drivers. Also rember that imporving your present car and adding anti-lock brakes will save 10 percent, you can save another 10 percent with airbags or motorized seat belts.
3) Drive less mileage : Young drivers or teens auto insurance is normally high though they do not drive a car more frequently since they are usually studying. As per the new programs of Pay as you go the less you drive the more discount you get.
4) Insure your property and car with the same insurer. Most companies offer atleast 10% discount if you insure multipule coverages with the same insurer. You will save on both your auto insurance and home insurance policy.
5) Study hard. In most states, full-time students who meet GPA requirements could save on auto insurance premiums with a discount of 10-20 percent.
Here is a tip, the maximum discounts that would be allowed on your auto insurance policy will not be more than 45-50% since this is the maximum allowed by insurance companies. Besides this, each insurance company will have a minum premium requirement below which they will not quote.

Try these tips and let me know how much you save.
Happy hols, enjoy your holidays with cheap car insurance rates.

Kamlesh