5 Ways To Reduce The Cost Of Auto Insurance With regard to Teen DriversDefensive Driving Course: Can it Help You Save on Car Insurance?DashTrac Uses GPS to Help Parents Extend Driver?s EducationBenefits of Defensive Driving CourseProtecting Your Teenage Driver With Auto InsuranceCheap Car Insurance For Teens Is Easy To Get, Here Is HowCheaper Car Insurance In Michigan
Teen auto insurance


Dan Thesis: How much is teen driver education helpful for teen drivers and teen auto insurance?

Response: Dan, let me assure you that this is very important. Teen drivers learn a lot and become mature drivers with little driving education and the insurance companies offer higher discount to teen who take driving training. A Georgia state law adopted in 2007 that required driver’s education for all 16-year-olds also created a way to help pay for it, but only 20 percent of funds collected under the program have been appropriated for its use.

State officials say the law does not require all the money collected through an extra fee on traffic tickets to be spent on the teen driver’s education program, but the father of the boy who inspired the law says more money generated by the law should be used for that purpose.

Alan Brown’s son, Joshua, died in a car accident in 2003. Since then, Brown said Joshua’s Law has helped thousands of Georgia teens become safer drivers.

“I wrote this law to save lives and to honor my son,” Brown said. “I wanted to create a way to pay for driver’s education without mom or dad or the taxpayers having to pay for it.”

From fiscal years 2005 to 2009, $38.4 million was collected from the add-on fine and went into the state’s general fund. The legislature appropriated $2.7 million per year for fiscal years 2007 to 2009, for a total of about $8.1 million.

Joshua’s Law was passed during the 2005 General Assembly and took effect beginning Jan. 1, 2007. According to the law, all 16-year-olds applying for a Class D driver’s license must complete an approved driver education course and 40 hours of supervised driving, including 6 hours of night driving. The teen’s parent or guardian must provide a sworn verification that these requirements have been met.

Any Georgia resident who has not taken the driver’s education class must be at least 17 years old to get a driver’s license, but must meet the same supervised driving requirements and have parent verification.

The law also aimed to help more teens get into driver education and training programs, and created a 5 percent surcharge on traffic tickets to help fund the programs.

The Georgia Driver’s Education Commission was established, in part to administer those funds to public schools and libraries, and created a grant fund for eligible parties to apply. Bob Dallas, vice chair of the commission and head of the Governor’s Office of Highway Safety, said the state is not required to spend all of the money raised through the surcharge on driver’s education and must balance the program’s needs with others in the state.

“The legislators have to make a decision as to where the money goes,” Dallas said. “They truly do care and are very much interested in our teens being educated to be good drivers so we have fewer of them get into injuries and crashes that cause deaths.”

Under the grant program, 10,200 students completed the grant-provided driver education courses in 2008 and public libraries in 113 locations made available online driver education instructions to high school students across the state.

Brown said that’s a start, but that the state must do more.

“All these kids that are now alive, I’m extremely thrilled with that. But the state is tainting my son’s name by not doing what they’re supposed to be doing.”

Such great helps is being offered for teenagers and so each teenager should take this course and it is a moral duty of parents to encourage their children to do this. It really works and statastics have proved this. Teenager need independence and guidance to stay safe and get cheap teen auto insurance quotes.

Thanks.

Kamlesh.

Related Blogs



Teen auto insurance
Teen auto insurance


Keira: I am a teen and want to know why the teen auto accident crash involvement is so high? Secondly, how do crashes involving teenagers differ from other drivers?

Response: Immaturity and lack of driving experience are the main reasons. Compared with older drivers, teenagers as a group are more willing to take risks and less likely to use safety belts. They also are more likely than older drivers to underestimate the dangers associated with hazardous situations and less able to cope with such dangers.

Teenagers not only have higher crash rates than other age groups, but they also have crashes that are different. Analyses of fatal crash data indicate that teenage drivers are more likely to be at fault in their crashes. Teenagers’ crashes and violations are more likely to involve speeding than those of older drivers, and teenagers are more likely than drivers of other ages to be in single-vehicle fatal crashes. Plus, teenagers do more of their driving in small and older cars3 and at night, compared with adults. In 2003, 42 percent of teenagers’ fatalities occurred between 9 pm and 6 am, and 54 percent occurred on a Friday, Saturday, or Sunday.

And for 16 year-olds, all these problems are heightened. The combination of inexperience behind the wheel and immaturity produces a pattern of fatal crashes among 16 year-olds that includes the highest percentage of crashes involving speeding, the highest percentage of single-vehicle crashes, and the highest percentage of crashes with driver error. This is why the insurance companies rate this group very high for auto insurance rates. However, taking the tips and driving lessons you can have cheap auto insurance quotes.

Drive safely and carefully to save auto insurances.

Related Blogs



Teen auto insurance
Teen auto insurance


Tom: How do teenage crash rates compare with rates among drivers of other ages? What are the teen auto insurance rates for this age group?

Teen auto crash

Response: Teenage drivers have very high rates of both fatal and nonfatal crashes compared with drivers of other ages. This is true whether the auto insurance rates are based on the total number of teenagers, on the number with licenses, or on miles driven. Both licensure rates and miles driven per license holder are lower among 16-19 year-olds than among drivers age 20 and older (as a group), so when crash involvement is based on the number of licensed drivers instead of total population, the fatality rate of teenage drivers is even more extreme compared with older drivers. It is most extreme when crash involvement is based on miles driven.

Many teenagers die as passengers in motor vehicles. Fifty-nine percent of teenage passenger deaths in 2003 occurred in crashes in which another teenager was driving. Teenagers far exceed all other age groups in terms of per capita deaths as both drivers and passengers, but their passenger fatality rates are much more extreme compared with those of older drivers. Among teenage drivers, 16 year-olds have by far the highest rates of teenage passenger deaths per licensed driver and per mile driven.

A 2001 Highway Loss Data Institute study reported that insurance injury claim frequencies and overall collision (vehicle damage) losses for cars insured for teenagers to drive are more than double those of cars insured for use by adults only. Collision losses for drivers age 21 and younger, as for drivers of other ages, are highest for sports and luxury models and lowest for large station wagons and passenger vans.

The teen auto insurance rates for this age group are normally very high, however you can easily get discounts for them and also comparitive auto insurance quotes, which are cheaper as per the quotes given by many insurer. Find out the cheap auto insurance quote given here.

Related Blogs



Teen auto insurance
  
Your Questions About Compare Car Insurance QuotesRampages : The Terrors of Teen DrivingWhat you should know about Cheap Car Insurance for Young Drivers35% Spike in Infant Mortality in Northwest US May Be From Fukushima Nuclear FalloutTablet use up during mornings and eveningsStolinsky.comMarket Insight: Study finds inherent safety in hybrids