Teen auto insurance quote

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.

Cheap auto insurance

Cheap auto insurance

Steve Smith : Why can the cheapest car insurance and insurer differ for each teen driver or young driver?

Cheapest car insurance quotes for teens differ from insurer to insurer

You will be surprised to note that when two teenage drivers or young drivers apply for teen auto insurance or compare car insurance quotes online or through a broker or agent cheap rates may be offered by a different carrier because factors such as the following may have an impact on price:
• location
• driving record
• gender
• type of vehicle
• coverage
It’s common to hear a young driver suggest a certain carrier who offered them reasonable prices only to find out that it wasn’t the same case for you. This can be for many reasons; maybe they both have different cars or maybe one may have less than 3 years driving which is sort of a breaking point for getting the “good driver” discount. This is because each insurance company will take the base rate for car insurance rates on their individual companies experience for a particular geographical location for the individual company. They would than add in the other factors given above and also the overall age factor experience of the industry as a whole. Some insurance companies would take the type of vehicle as the base factor rate if they have the analysis for the different types of vehicles, which most of them do consider and hence the rates differ.

Yes, this is the very reason it makes complete and absolute sense in comparing teen auto insurance quotes online. Are you smart? If the answer to this question is in the affirmative, than compare teen auto insurance quotes here.

Teen car insurance rates for drivers with less than 3 years driving and how to get cheapest car insurance

The regulations for the states differ by state. Some states or insurance companies allow the teen driver to be covered under the parents policy If you cover the teen under your own policy the teen auto insurance rate is reduced by 50%. In both Canada and USA there are certain restrictions, which are that the car should be in your name and not owned by the teen. Secondly the teenager should be living with you or within a specified distance from your home.

Again the regulations would differ from insurance company to company depending on their underwriting guidelines and underwriting approach.

Want a cheap teen auto insurance quote than compare teen auto insurance quotes.

It is most important for you to compare teen auto insurance quotes online and find the quotes given by different insurance companies to get cheap car insurance quotes. Now to get cheap car insurance quotes and to compare multiple car insurance quotes it is very easy to do it online. You can get multiple teen auto insurance quotes within a matter of 10 minutes and can find out the cheapest car insurance rate.

Thanks.
Kamlesh

Teen auto insurance

Teenager car insurance

Are we heading for cheap teen auto insurance quotes?

Teen auto insurance quotes or auto insurance quotes for young drivers have always been very high and the reason attributed for the same by the insurance companies is that the teen auto accidents rates are very high. Check out what are the trends in USA in the last few years.

FIGURE. Annual rate* for drivers† aged 16 or 17 years involved in fatal crashes, by age group — Fatality Analysis Reporting System, United States, 1990–2008

* Per 100,000 population in age group.

† Of passenger vehicles (i.e., automobiles, sport utility vehicles, pickup trucks, and vans).

Alternate Text: The figure above shows the annual rate for drivers aged 16 or 17 years involved in fatal crashes, by age group in the United States from 1990-2008. Continuing a general decline that began in 1996, the population-based rate for drivers aged 16 or 17 years involved in fatal crashes decreased 38%, from 27.1 per100,000 population in 2004 to 16.7 in 2008.

Data from : http://www.cdc.gov/mmwr/preview/

Teen auto accidents are on the decline, teen auto insurance quotes would certainly decline.

The above data from the CDC – Center for Disease control and prevention verify the fact that teen auto accidents are certainly going down.

Our teens are much safer. The reasons for the decline in the teen auto accidents can be contributed to :
1) Graduated Driving License programs which have started all over USA with the first start of this in Florida.
2) Change in the licensing polices.
3) Awarness among parents and teens on maintainig better safety.

Your own view points and comments on this would be appreciated, since this is a sure positive singnal for all of us that we are heading in the right direction and our objective of keeping our teens and young drivers safe is being served. Also comments on whether you got cheap teen auto insurance would be appreciated.

Relation between decline in teen auto accidents and cheap teen auto insurance quotes

There is a direct relation between the decline in teen auto accidents and getting cheap car insurance or cheap teen auto insurance quotes. This is because the lower the number of accidents for this group, the lower the expense for the insurance companies. This would mean that the loading on the auto insurance premium would not be done for this age group and if done would be at a much lower rate.

Yes, you can certainly check out teen auto insurance quotes here, and get free teen auto insurance quotes alongwith valuable information.

Do not forget to leave your comments and valuable opinions.

Thanks.
Kamlesh

Cheap car insurance