Teen auto insurance or car insurance
Response ; Let us first talk about the implication of this law from the point of auto insurance or car insurance for young drivers or teenagers, the fact that the sticker is not there would not be an issue or reason for increasing auto insurance rates or asking for higher premiums. The fact is that teenagers are classified as high risk is the reason for the higher premiums. The solution for this is compare, compare and compare auto insurance quote to get cheap auto insurance.

Yes, this is a recent judgement where in the Judge upheld a new law that requires drivers younger than 21 to display identifying decals on their vehicle license plates, as on 10th March 2010.

This law of having a sticker to identify a teen driver or young driver was passed on the 1st May, was challenged byGregg Trautmann, a Rockaway lawyer. As per the arguments put up it was stated that this would encourage the police and other persons to pick up on the teens.

The judge stated that the “operating a motor vehicle is not a right, it’s a privilege subject to state regulations.”

This law is named as “Kyleigh’s Law,” in April 2009. It’s named for Kyleigh D’Alessio of Long Valley, a 16-year-old honor student killed in a December 2006 crash

There is a lot of disatisfaction, naturally from the teens and even parents, who feel that this should than apply for all high risk drivers, over 65+, drunk driving drivers, agressive drivers and any person who has a bad driving record.

Thanks.
Kamlesh

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Auto insurance for young driver :

Response : With the ongoing recession the expectations are that car insurance premiums are likely to go down this year. However, this is not the case. You have to be prepared to see a hike in your auto insurance rates, as per the insurance experts. This is one of the best times to search and get your cheap teen auto insurance or cheap car insurance for young drivers. You can win the challenge of getting cheap auto insurance quotes.

The Office of National Statistics state they presume that insurance premiums will continue to rise. Some states like New York and even Montana have seen an increase by as much as 12% depending on the vehicle driven. What is more worrying is the fact that some of the safe vehicles like that from Toyota and even General Motors models are being recalled for faults. There is continuous controversy on these issues. Among the increase in premiums are certain models of vehicles that have gone up as well. These particular models will have higher insurance premiums this year due to expanded risk ratings are Kia Sportage, Hyundai Sonata and Kia Lotze.

Who Will See the Increase in Premiums?

National U.S. averages show that 23 states have seen an increase in auto insurance premiums since January 2010. These states have seen the greatest increase so far:
Montana with a 12.9% increase
New Hampshire with a 9.9% increase
Wyoming with an 8.2% increase
With accidents at their lowest in the past three years, it leaves many scratching their heads as to why premiums are at an incline.

Why Are Premiums Going Up?
It can’t be predicted based off of 2 months that insurance rates will soar this year; although the trend from the past 2 years indicate that premiums will continue to sky rocket. However, the premiums are going up especially in states where there is “no-fault” insurance since the auto frauds are increasing. So you are a good driver, have little to no points on your record, and over 25 years old but your premiums still went up? You can still beat the traffic of high premiums by taking the right steps today.
Wise consumers like you are using free auto insurance quotes to find the best possible rates for sufficient coverage. In the mean time, the U.S. Senate is taking measures to try to stop this increase and calling for a financial breakdown of spending.

Using free auto insurance quotes provides access to find affordable coverage so that you can get car insurance at a reasonable price. Additionally, making two payments annually will save more on car insurance than paying every month. If money is tight and you no longer make payments on your vehicle, opt for just liability coverage. It is required by law to carry the minimum amount of coverage on auto insurance for each state. You can get cheap auto insurance if you keep a clean driving record, drive carefully and go for the best options of auto insurance coverage suitable for you. The secret is to compare auto insurance quotes online.
Thanks.
Kamlesh

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Teen auto insurance and Toyota car safety
Response : Joel, there is a lot of hue and cry about the safety about Toyota’s safety. Let me assure you that Toyota is still considered a safe car by the general auto insurance companies. This news is from the Insurance site as on 3rd March 2010. Although Toyota recently has come under fire for not addressing gas pedal problems in its vehicles that led to accidents and injuries, the company has had some positive safety news: The Scion xB and Toyota Corolla have earned the Insurance Institute for Highway Safety’s Top Safety Pick.

Here is how the insurance institute for highway safety qualify the car for safety. To qualify for Top Safety Pick, a vehicle must earn the highest rating of good in the Institute’s front, side, rollover, and rear impact tests and be equipped with electronic stability control. The xB and Corolla are the first Toyota models to earn Top Safety Pick since the Institute tightened the criteria to win by adding the new rollover test for 2010.

To earn a good rollover rating, a roof has to support the equivalent of four times the vehicle’s weight compared with the current federal standard of 1.5, IIHS said. In the Institute’s test, the xB’s roof withstood a force equal to 6.8 times the car’s weight. The Corolla’s roof supported 5.1 times the car’s weight.

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The xB and Corolla also earned the 2009 Top Safety Pick award.

“Top Safety Pick recognizes the vehicles that afford buyers the best overall protection in common crashes,” says Institute president Adrian Lund. “With more top performers, there’s no reason to buy a small car with less than stellar crash test ratings.”

There is no need to worry, but you can definetly ask your son to drive carefuly and am sure you are guiding him. With a good driving record your son would definetly get cheap teen auto insurance quote.

Thanks.
Kamlesh.

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Teen driving changes and cheap auto insurance

Response : As on 23rd February 2010, a New York law has been brought into effect . The main objective of this is to strenghten the state’s existing graduated driver license (GDL) system for teenagers, according to the Insurance Information Institute (I.I.I.).

As per this there is a a teen driver or young driver under 21 years can have only one non-family member in the car.

Secondly they need to have 50 hours of supervised driving instead of 20 hours before the teenager can take a road test.

Third, out of 50 hours of training the young driver must have 15 hours after sunset.

Graduate Driving License is a three-phase program that gives teen drivers an opportunity to develop more mature driving attitudes and gain experience behind the wheel over a period of time. Florida became the first state to enact a GDL law in 1996, and GDL legislation has been credited with reducing the number of motor vehicle accidents involving teenaged drivers in that state and elsewhere.

Nonetheless, motor vehicle crashes remain one of the leading causes of death among 15- to 20-year-olds and insurance industry research shows that more than half of teens who die in crashes are passengers, many of whom are not wearing a seatbelt. In addition, the data indicates that a teen driver’s chance of getting into a fatal accident doubles when a teen passenger is in the car. With three or more passengers, the risk quadruples.

“Immaturity and lack of driving experience are the two main factors leading to high crash rates among teens,” said Barry. “Even the best teenage drivers don’t have the judgment that comes with experience. It affects their recognition of and response to hazardous situations and results in dangerous practices such as speeding and tailgating. Teens also tend to engage in riskier behavior—eating, talking on their cellphones and text messaging. The added distraction of another teen passenger in the car just adds to the risks facing young drivers.”

If you are parents than there are ways that you can get cheap car insurance quotes for your teen and young driver. The key is to keep your teen safe which is your first goal and than comes getting cheap car insurance. For this you need to :
1. Give confidence and support to your teenager so that he or she is encouraged to build up excellent road habits.
2. Ensure that they complete their graducated driving schools so that they know the safety rules of driving. The more driving practice your teen gets, the more confident he or she will be behind the wheel and the better able to react to challenging situations on the road.
3. Some insurers offer “safe driver” programs. Teen participants in these programs sign parent-teen driving contracts which outline the young driver’s responsibilities and the consequences of failure to meet those expectations. Check whether your insurance company has such a program—if your teenager completes the program, you may be eligible for a discount.
4. Pick up a safe car : I know that in this time and age this is a big deal since big names like Toyota and General Motors are also having issues, however, you can still pick up a car which is safe as per the safe cars given by the Insurance Information Institute.
5. In addition, insurance companies are helping to reduce the number of accidents involving teen drivers by subsidizing the cost of electronic devices, such as GPS systems and video cameras, which can monitor the way teens drive. These monitoring services are usually operated by independent companies and alert parents of unsafe driving by email, text message or phone. Some insurers now offer discounts for parents and teens who participate in these safe driving programs.
6. Talk to your teen about the dangers of drinking and driving and distracted driving.
Alcohol and driving do not mix. Parents should impose a no tolerance policy when it comes to alcohol and driving.

Once you teach your teenager the safety rules cheap car insurance will automotaically follow them.

Thanks.
Kamlesh

Texting Takes Over As Bad Driver Behavior

Teen auto insurance quotes- auto accidents

The above picture of the accident whose details are given here. My girl friend wasn’t PAYING ATTENTION TO HER DRIVING WHEN IT HAPPENED… SHE WAS PUTTING A CELL PHONE COVER ON HER CELL PHONE. (LIKE SHE NEEDED ANOTHER…) BANG! SHE CROSS’D THE LINE & HIT AN Audi TT IN KINGSPORT, TN, ON HER WAY BACK FROM THE MALL.

The car rolled one-and-a-half times in MID-AIR, & THEN IT LAND’D ON IT’S TOP before flipping over ON IT’S WHEELS FROM HITTING A HUGE ROCK. MICHELLE WASN’T HURT… JUST SHAKEN…

Don’t get me wrong, I was mad, but, unlike most boyfriends, I told her that is was just a car the main thing was that she wasn’t hurt.
Josh

Response : Text messaging is certainly considered bad driving.

Do you think that you also can give cheap teen auto insurance quotes to a driver who is not able to control the car, as show above? I am sure, you will agree that this is not possible. Yes, refrain from text messaging and driving and ensure that you get cheap teen auto insurance quotes.

Given below is data on text messaging.
Texting has caused fatal accidents, lead to imprisonment and also been considered as high auto insurance or distracted driving,Texting on cell phones is now considered an even more serious problem than talking on a cell phone, because it requires looking down at the message the sender is creating while moving fingers that should be on the steering wheel. In addition to not looking where they are going, text message senders are usually focused on their message – not on their driving. Experts tell us that taking your eyes off the road for even one to two seconds can make the difference between avoiding a crash and causing one.
Texting is a particularly serious concern because while 20 percent of drivers admit to texting, when you look at drivers in the age 18-24 year old category, 66 percent are sending or receiving text messages while driving. Add the distraction of text messaging to young driver inexperience and you’ve got a particularly lethal combination.

Currently only a few states outlaw texting while driving, fewer than those that prohibit talking on cell phones when driving, but more states are looking at making it illegal in the wake of a series of spectacular crashes with deadly results.

There’s no doubt having a cell phone with you when you travel is a great resource to use in calling for help or reporting trouble on the road. But whether you use a handheld phone or a hands free device, researchers and safety specialists agree that the only really safe way to use your phone – whether to call or to text message – is to safely pull off the road, stop and then make your call.

Be careful when driving, Stay safe and get your cheap teen auto insurance quote- here.

Speeding and Car Insurance Rates
Response : Speeding, especially for young drivers or teens is very common. Most drivers drive faster than posted speed limits, at least now and then, and many speed every time they get behind the wheel. It doesn’t seem to matter that average speed limits across the country are higher now than they were a decade ago.

Most drivers push beyond the posted speed limits, whether they are running late, not paying attention to their speed. Of course when you have a new sports car just for the thrill of riding fast. Clearly, there are not enough highway patrol officers to give speeding tickets to all those who speed. This means the odds of not getting caught and ticketed always favor the speeder.

Until they do get a speeding ticket, most drivers give little thought as to how this may affect their car insurance rate quote. They may be in for an unpleasant surprise! They will have to pay an expensive increase in their auto insurance rates, in addition to the ticketed fine, once they get their speeding ticket. In cases of extreme speeding, a driver’s cost of car insurance could actually double, even on a first offense.
Why do insurers often raise your car insurance rates after only one speeding ticket? It’s simple. Numerous studies by highway safety experts show that “the faster you go, the more deadly it is,” says Jeanne Salvatore, spokeswoman for the Insurance Information Institute (III), an industry trade group. “There’s a higher possibility you’re going to cause a lot of damage to people or property,” Salvatore says.

If you’re cited for speeding, your insurer may attach a temporary surcharge to your policy for three years. One large auto insurer may raise your rate by up to 26 percent the first year, then gradually lower that surcharge and drop it completely after three years, as long as you have no more moving violations.
The size and duration of the increase varies depending on several factors, including:
• Your driving record and your relationship with the insurance company. Some insurers waive the surcharge if the customer has had a long relationship with the company and previously had a clean driving history.
• Where you live. Insurance is regulated by the states, and different states have different laws regarding the cost of car insurance. Some states don’t allow insurers to impose a surcharge for first-time speeding tickets, while others require insurers to raise rates for some speeding violations. For example, a single male driver who lives in Phoenix and receives one speeding ticket will experience an average rate increase of 16 percent, but the same driver will pay no more if he lives in Philadelphia.
• How much you were exceeding the speed limit. An analysis by USA TODAY found that 10 percent of ticketed drivers in 2002 were “extreme speeders”—drivers who exceeded 90 mph, or 15 mph above any speed limit. Extreme speeding is considered reckless driving, a major violation. Even a first-time citation can more than double the cost of car insurance and inflate your car insurance rate quote.
Speeding may also affect insurance rates other than just your auto insurance.General auto insurance companies may look at your driving record when deciding whether you’re a high-risk customer and could charge you higher rates for life, health, disability or long term care insurance.

Once upon a time in the ancient past—at least 30 years ago, anyway—there were a series of public service ads on television and radio with the overall message, “Speed kills.” One displayed a clock and then showed a car speedometer pushing 65. “Don’t try to catch this hand [the clock] with this one [the speedometer],” the announcer advised.

In other words, it might be better to be late than dead or seriously injured. It’s been a long time since there was a public campaign aimed at getting America’s drivers to slow down and save lives. But that doesn’t mean speeding is any safer. Speeders are still more likely to have accidents, injuring themselves and/or others, than drivers who obey speed limits.
An increase in car insurance rates caused by speeding is troublesome, but the increased risk of death or serious injury is even worse.

Parents of teenagers and young drivers should always explain to them the dangers of speeding. Speed less on the road but speed up to get cheap auto insurance quotes.

Happy Motoring.
Thanks.
Kamlesh.

Best car insurance rates from general auto insurance companies.

Response : February is denoted as Aggressive Driving Month and is a time when all efforts are made to spread the awareness and dangers of aggressive driving, especially to the young drivers.

What exactly is aggressive driving? The list as to what encompasses to be part of aggressive driving is endless. Aggressive driving is speeding. It is operating the vehicle in an erratic, reckless, careless, or negligent manner or suddenly changing speeds or changing lanes all of a sudden. The aggressive driver fails to yield right of way, obey traffic signs, traffic control devices or safety zone traffic laws. They also fail to observe warnings or instructions on vehicle displaying them. In short aggressive driving is driving in such a way that you are the sole driver on the road and not caring about others on the road.

Many general insurance companies like Cure auto insurance, Liberty insurance,Progressive insurance are taking steps to reduce aggressive driving.

Aggressive driving certainly, would lead to accidents whether it is you or another driver who is aggressive. You need to ensure that you are not an aggressive driver, since this way you will stay away from accidents, your driving history will imporve and you would qualify for the best car insurance rates for young drivers. Get your comparitive auto insurance quote today.

Thanks.
Happy Motoring.
Kamlesh.

Teen auto insurance : Cheap car insurance
Response : A recent Pew Research Center study found that, in the past year, nearly 13 percent of parents with grown children have had at least one of their adult sons or daughters return home to live for financial reasons. Saddled with college loans and unexpected job loss, these young adults are forced to live at home until they can find a job and get their finances back on track.

This is a time of economic down turn and with the layoff in the jobs, bad employment situation, you are not the only one. Yes, you might be considering the auto insurance coverage.

Teen auto insurance coverage is another important consideration. Does the young adult have his or her own car that needs to be added to the parent’s policy? Or does the young student need to be added as another driver of an existing family vehicle? The good news is parents can keep any member of the family on their auto insurance policy as long as that person lives in the same house. But rates may increase and to decrease this and get cheap auto insurances and the best car insurance rates you must start looking for additional discounts.

Here are some additional discounts that you can have – multiple auto insurance discount, multiple polices discount – coverage for home and auto insurance together gives you a discount of 10=15% on both. Low mileage discounts, anti-theft discount. You can still get your good grades discount and of course compare auto insurance quotes online to get the best auto insurance quotes. I am sure you will find cheap auto insurance quotes.

Students cheap car insurance

Response : It has been observed that the teens who have just learnt to drive are more prone to accidents within the first six months of their driving. This is because they are driving themselves without the support of an instructor or their parents. They lack the experience behind the wheel and are less likely to take a decision behind the wheel.

Over the 10 years period from 1998 to 2007 the young drivers killed in these fatal crashes have accounted for 39 to 43 percent of the total fatalities. In 2007, 3,174 of those killed in young-driver-related crashes (41%) were the young drivers themselves. Thus, the remaining 59 percent of those killed in fatal crashes involving young drivers were people other than the drivers. Approximately two-thirds of the people killed in these crashes are the young drivers themselves or the passengers of the young drivers.

Reducing general auto insurance rates for students and preventing accidents:

You can reduce general auto insurance rates for students, young drivers and get cheap teen auto insurances, if you can stop the accidents. Auto accidents are the main cause for increase in the auto insurance or car insurance overall rates for yourself and your group. You can prevent accidents and stay safe by implementing the following, since they have been found to be the main reason for auto accidents for this age group :
1) Know and follow the rules – it is in your own and your friends best interest to obey the rules. This is not a place or a time for experimenting or experiencing something.
2) Avoid having passengers in your car. They can distract you and you are risking their life also. It would be better to be alone and take the right decision.
3) Avoid distractions of the cell phone or text messaging. In most states now this would go under following the rules
4) Limit yourself from night driving.
5) Learn to drive in all kinds of weather first under supervision. Pick up the tips for driving in difficult weather conditions from your driving instructor, parents or a reliable source of information like the websites, or the NHSTA.
6) Do not drive when you are tired.
7) At all cost avoid drunk driving.
A little bit of precaution on your part would save you from adversities and also pave the road for cheap car insurance or cheap auto insurance. Why throw this away just for a thrill.

Teen auto insurance and car insurance claims
Response :Jennifer, thanks for sharing with me that you got cheap car insurance for young drivers from here. Your satisfaction is most rewarding for me. When you are involved in any auto insurance claims situation if you are aware of how to go about things, it saves a lot of time and grief on both sides – yours as well as the insurance company.

There will be two situtations where you are the passanger of a car involved in an auto accident. One is when you are riding in the car out of choice in your friends vehicle or family vehicle. As a passenger, you can collect for damages from one of two ways: 1) under your driver’s medical payments coverage or 2) filing a claim against the at-fault driver’s liability coverage. You must collect like the driver, all important information—names, addresses, license numbers, policy numbers, etc. How much you will be paid would depend upon the extent of your injury, how much coverage your fried or family has, how many people were involved in the accident, and on how well insured the other drivers are. This is because under liablity there is a per person and per accident limit.

Taking another example, if you are riding a cab as a paid passenger and are involved in an auto accident, than besides the above ways of claiming you have another option. You can file a legal suit against the cab driver or the cab driver’s company claiming for your injury and any other damages resulting from the injury.

Will I qualify for cheap car insurance if involved in an accident as a passenger?

This will not blemish your driving record since you were not driving and also not affect youa auto insurance rates since it was not involving your vehicle. You will still get the cheap car insurance rate on your auto insurance policy which you can continue to enjoy.

Thanks.
Happy Valentie Day.
Kamlesh