20 Tips To Cheaper Car InsuranceCheap car insurance for good driversOf all belonging to the functions that ended up being introduced with Office 2010 Standard software program remote access was one wh offered the most importan change to the way w work throughout the country.Of all belonging to the functions that ended up being introduced with Office 2010 Standard software program remote access was one wh offered the most importan change to the way w work throughout the country.
Teen auto insurance


 

Light Small Cars Safe?

Obviously one of the biggest factor or consideration for parents when buying a car for their teen or young driver is safety. Are light small cars safe? Which is the safets car?

A study¹ done some years ago exposed the fallacy of choosing vehicle safety based only on size or weight.

Crash testing and real world collisions have documented the effects of seat belts and passive restraints such as air bags and proved the benefits of protecting drivers and passengers in the event of a collision with another vehicle or another object.

Better structural engineering and technology have certainly made major improvements in the ability of vehicles to protect occupants from more serious injuries and fatalities.

But what about the ability of a driver to avoid a collision in the first place? Being able to control and maneuver a vehicle well can have a big effect on collision avoidance. Recent advances in using anti-lock brake systems also enable control of a vehicle’s steering to create electronic stability control systems that intervene with the way the driver uses the brakes and power.

By using computer control of braking and throttle a vehicle can be stabilized to avoid skidding, spin-out, and even possible rollover in spite of what the driver is doing.

wpid vehicle type and car insurance Are Light Small Cars Safe? Remember safer gives you cheaper car insurance.

The above table shows that small cars are also have a higher crash rate as the SUV’s . Although occupants of a large and possibly heavy vehicle may come off better in a collision, drivers of better handling vehicles might avoid being in collisions in the first place.

Ross and Wenzel found that SUVs are no safer for their drivers than cars. Popular midsize cars, minivans and import luxury cars have the safest records, while SUVs are about as risky as the average midsize or large car, and are no safer than many compact and subcompact models.

Other factors are obviously involved, such as driver behavior but the data shows up some interesting results for different-sized and different quality vehicles such as the Volkswagon Jetta, Toyota Avalon, Ford F-Series and Toyota Tacoma.

Measuring the combined risk, most cars are safer than SUVs, while pickup trucks are less safe than all other types of vehicle.

“It turns out that relatively inexpensive light cars do tend to be unsafe, but more expensive light cars are much safer, and are as safe as heavier cars and SUV models. In any event, the argument that lowering the weight of cars to achieve high fuel economy has resulted in excess deaths is unfounded. If designers pay careful attention to safety in vehicle design, smaller cars can be, and indeed have been, made as safe as larger ones,” said the researcher Marc Ross.

Remember safer vehicle gives you cheaper car insurance.

Auto insurance companies consider the safety of the vehicle and also the geographical data of crashes and analysis them to base thier auto insurance rates on them. The more safer a vehicle for a particular geographical location the better or lower the auto insurance rates. You need to consider the road condiitons, weather conditions of the geographical area you live in when your are selecting the vehicle to buy for cheaper car insruanece. Please also consider all the other factors as equally important like the driving skills of your teen and its best to guide them to be responsible. Cheaper car insurnace can be obtained just by getting teen auto insurance qutoe. 

 



Teen auto insurance
Teen auto insurance


cheap car insurance and speeding 300x225 Speeding ticket  auto insurance sky rockets, especially teen auto insurance

cheap car insurance and speeding is it possible?

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.



Teen auto insurance
Teen auto insurance


Michael : I am teenager and am looking for car insurance discounts. Please help me.

Auto insurance discounts for best car insurance rates.
Response : The auto insurance discounts that would be given by the insurance company and the percentage of discount applicable would differ from insurance company to company.  Here are a few discounts that are normally given to the teenagers on their  auto insurance policies:

  1. Driver training discount given for young drivers who have completed divers training.
  2. Good student discount is given to students who have good grades tend to be good drivers, however this discount is limited to high school or full-time college student. This discount is applicable only as long as they are maintaining the required grads.
  3. Non-smoker or non-drinker discount are becoming increasing popular. The non-drinker is a low hazard risk for the insurer, however this is not offered by all insurers. 
  4. For safety devices like air-bags which help in preventing the severity of injury
  5. Anti-theft devices – which will prevent car from getting stolen.
  6. Resident student discount is offered if there is one vheicle in the family and the student is a resident student living at least 100 miles away from home.
  7. Multi-car discount when you are insuring two or more cars with the same insurer.
  8. Multiple policy discount when you have more than one coverage with a insurance company like auto, home life, health.
  9. Commuter or car pools – If you drive just a few miles and take public transportation.
  10. Mileage discount is also offered if the use of mileage of your automobile is less .

Check if you qualify for any of the discounts and even if you qualify for five of the discounts you will get the best car insurnace rates. Compare teen auto inusrance online to get the cheap car insurance rates now.

God bless

Kamlesh



Teen auto insurance
  
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