Simon Monjack : My daughter is looking for cheap teen auto insurance quotes- she loves to talk on the cellphone when she drives. She was involved in an accident . What should I explain to her?

Distracted driving is no, no for cheap teen auto insurance quotes and safety

Simon, this is not only your concern but for many parents. It would be best if you explain or ask your daughter to read the information provided for cheap teen auto insurance quotes. One of the biggest risk and biggest concern and frustration for parents who are thinking of teen safety and cheap teen auto insurance quotes is distracted driving.
The number of distractions is on the rise and these distractions are now becoming more of a concern rather than drunk driving or dui.

Distracted driving and cheap teen auto insurance quotes is not possible.

Statistics show that distracted driving increases not getting cheap teen auto insurance quotes

Texting is teen’s biggest distraction behind the wheel.
• More than 49% of teens report texting as a distraction, up from 31% in 2005
• 82% of teens report using cell phones while driving, while 23% admit to drinking and driving
• More than 60% of teens worry about getting into a car accident, but still admit to practicing distracting or harmful actions while driving
More girls than boys report that they will drive distracted in the future.
• 51% of girls are likely to use a cell phone to talk, text or email while driving, versus 38% of boys
• 84% of girls are likely to adjust music selection or volume while driving, versus only 69% of boys
These is the analysis of a survey conduted by Allstate insurance. Hence as parents it would be necessary to insist on refraining from distracted driving for getting cheap teen auto insurance quotes and also for teen safety.

Ipod – leads to adverse effects on teen safety and cheap teen auto insurance quotes,

The ipod and iphone are two more items which can lead to auto accidents and teen accidents. All these instruments require attention and hand and brain coordination, which would disturb the attention span on the road – accidents happen in a split of a second.
Stay away from distracted driving and take a sure road to cheap teen auto insurance quotes and teen safety today.

Zinedine Zidane: My teen daughter’s teen auto insurance premium has increased a lot with a speeding ticket. Why so?

Getting cheap teen auto insurance for girls will be difficult

Response :As per the recent insurance companies reviews and the surveys carried out it has been established that the girls are becoming more aggressive drivers. “ In a survey of teenage drivers, Allstate Insurance found that 48% of girls said they were likely to drive 10 mph over the speed limit. By comparison, 36% of the boys admitted speeding. Of the girls, 16% characterized their own driving as aggressive, up from 9% in 2005. And just more than half of the girls said they were likely to drive while talking on a phone or texting, compared with 38% of the boys.

The reality is that the girls are more likely to indulge in talking on the phone, getting distracted whilst driving. One of the nation’s largest insurance companies says that its auto coverage premiums for teenage boys are about 40% higher than for girls. In 1985, that gap was about 60%, says Vicki Harper, a spokeswoman for State Farm, which has more than 42 million auto policies. Most girls still get a break on premiums, she says, but “their premium rates reflect there isn’t as much of a difference as the rate for a teenage boy.”

Presently the comparisons for two hypothetical 19 year drivers show that the gap between the girls and boys premium is becoming less – for 6 months full coverage including a speeding ticket in last 3 years the difference is only $311/-, which is very marginal.
It is time for you to start educating the girls also on better driving habits and to avoid speeding if you are looking for cheap teen auto insurance quotes. Yes, compare teen auto insurance quotes and get cheap car insurances, however teen safety is another factor that you need to keep in mind.

Rese (Irving- Texas): If you are a pedestrian and are struck by an uninsured car how can I get a compensation or if I want immediate treatment what should I do? I am a teenager and have insurance but I prefer walking.

Response: An excellent question. Now the fist option you should go for is to ask the car driver to pay the money out of his pocket. I do also understand that if the driver cannot afford to be insured he would not be able to afford your medical treatment cost also. Let me tell you that if under your teen auto insurance policy which has coverage for uninsured motorist or uninsured driver, than you can claim under your own auto insurance policy for the treatment and injury and your insurance company will pay you. It is highly recommended that teen auto insurance should defintely have the coverage of uninsured motorist.

Here is the latest news of your town which appeared on the P/R web news just today the 29th October 2009.

On average, the number of Texans hit by cars spikes 23.3% during Halloween week, according to Allstate Insurance Company. The insurer recently looked at its Texas auto insurance claims involving pedestrians over the past five years and found a dramatic jump in accidents around trick-or-treat time. Last year, Allstate says its number of claims involving pedestrians more than doubled over Halloween week compared with the rest of 2008.

The Allstate data coincides with a report from the Insurance Institute for Highway Safety that found October 31 is the second highest pedestrian death day of the year behind Fourth of July.

“Because this Halloween falls on a weekend, there may be even more kids and cars on the road later at night, potentially creating an even more dangerous situation,” said Brent Walters, an Allstate agent in Beaumont. “Whether you’re behind the wheel or walking with your kids, it’s critical to remain alert.”

Allstate says on average, it receives 13.2 bodily injury claims involving pedestrians or bicyclists in Texas during Halloween week, compared with an average of 10.7 a week during the rest of the year.

It is honestly a time to be careful and check your own auto insurance coverage for making sure that you have the right coverage. Uninsured motorist coverage is a cheap auto insurance coverage.
Happy Hallowen.