Amish Shah : Is text meassaing considered bad driving. Can you get cheap teen car insurance quotes by refraining from bad driving?

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.

Amish Shah: Will you please tell me how cheap car insurance rates are there in different states of USA for teens or young drivers or college students ?

Finding Cheap Car Insurance
Resonse : Amish finding cheap car insurance has become very easier now with the advent of internet and online car insurance offers. If is no longer like finding a needle in a haystack. You can bid goodbye to frustratuons that can lead to fits of uncontrollable swearing and temper tantrums. However, unlike the endless quest for that needle, finding the least expensive car insurance has a point. The more coverage you can get at the lowest price means more money in your wallet and a lot less stress about paying your other bills.

Who are the competitors for cheap car insurance? Which companies offer the cheapest insurance? That really depends on what you’re looking for. The amount of coverage you want will determine the price, along with your age, driving record and where you live.

Take for example, Geico. Everyone knows the little green gecko ads. They are extremely effective. But how much would they charge a 21-year-old male living in the suburbs outside of Boston, MA? Let’s say that 21-year-old is looking only for liability coverage, forgoing comprehensive, collision and medical coverage for a 1995 Chevy Cavalier. Let’s assume he has a clean driving record with no accidents or speeding tickets reported. If he selects all the minimum liability amounts for bodily injury, property damage and personal injury, his premium will be $83.30 a month, or $999.60 per year. That same 21-year-old living in Carmel-By-The-Sea in California would pay $56.32 a month or $675.84 a year for insurance, under the same conditions, searching for the same amount of coverage.
It would be smart for you to compare the auto insurance rates online where you As any smart shopper would find out that this list is constantly changing. It would pay to check out Geico’s competition. A quick visit to Amica Mutual’s web site, using the same criteria with the same 21-year-old male, shows he would be paying an annual rate of $799 in suburban Massachusetts and $695.54 in sunny California. So the 21-year-old in Massachusetts would be smart to choose Amica Mutual for his car insurance, while the 21-year-old in California would more than likely choose Geico.

Why the discrepancy? Different states demand different minimums for liability coverage. Massachusetts sets minimum bodily injury liability coverage at $20,000 with a maximum payout of $40,000 per accident, along with a $5,000 limit for property damage. There is also a mandatory minimum for any uninsured drivers who might get behind the wheel of your car, also set at $20,000 with a max payout of $40,000. In California, the minimums are lower, with bodily injury set at $15,000 with a max payout of $30,000 and a minimum $5,000 property damage liability coverage. California does not require drivers to carry coverage for any uninsured or casual drivers who might get behind the wheel.

Each insurance company would base their auto insurance rates on their own experience and this detail is broken down to the area and even the specific vehicle-wise claims experience of the insurance company, hence any young driver or teen should compare the auto insurance rates online to get cheap car insurance.

One good indicator of where to start looking for cost-effective car insurance is consumer surveys. Survey giant J.D. Power & Associates rank customer satisfaction with insurance companies annually. In their latest ranking, Amica Mutual topped the list, with State Farm and Shelter taking the second and third spots. Some other big names, like Geico and Progressive ranked further down the list, coming in at nine and 14, respectively.

One thing cannot be stressed enough: where you live plays a large role in determining how much you pay. Keep in mind, our 21-year-old in Massachusetts was living within 25 miles of a major urban centre, with a higher population density than picturesque Carmel-By-The-Sea. In fact, Massachusetts is one of the more expensive states where one can obtain insurance. In a nationwide survey done in 2005 (the latest figures available), five Northeastern states (New Jersey, New York, Massachusetts, Rhode Island and Delaware) ranked in the top 10 most expensive states for car insurance. Connecticut comes in at number 11. Drivers in New Jersey drivers pay an average of $1336.20 in premiums a year. Only Maine, with its sparse population, ranked in the top ten for lowest car insurance rates. The Midwest makes up the rest of the list with Iowa being ranked the cheapest place to obtain car insurance. Drivers in Iowa drive easy knowing they’re paying an average of $664.20 in premiums every year.

When you do start looking for insurance, be sure to prepare. Remember that no one company offers across-the-board cheap rates, and be sure to compare quotes. Take advantage of any discounts you might be eligible for, including multiple car options and group rates. The best thing to do is find a rate that you can afford that covers everything you want. Don’t let a cheap quote that cuts corners entice you, because in the end, you get what you pay for.

As per the latest news of 27th January 2009, Toyota has recalled 8 models in the USA and Canada. Do you think the auto insurers are going to give you cheap auto insurance rates for cars which have a defect in their accreetion pad?

Amish Shah : I have a teenaged son, who has just turned 17 and is looking for cheap car insurance quote for young drivers like him. We reside in Wisconcin.

Wisconsin Teen Drivers Buckling Up More Than They Used To : Denying cheap car insurance for themselves
Response : Amish, one main thing for getting cheap car insurance is to have an excellent driving record and stay away from distraction. At any cost drunk driving should be avoided. Just to let you know that of recent as per the Insurance times news of December 29, 2009,Wisconsin teenagers are buckling up more than they used to. Teen car insurance quotes are thus getting impacted by the driving habits of young drivers.

A new survey of the state’s high school students of more than 2,400 students in 57 public high schools was done in the spring.
shows that only 15 percent say they rarely or never wear a seat belt when in a car driven by another person. That is nearly half as many as said in 1993 that they don’t buckle up.

Nearly one-out-of-four students reported riding in a car with a driver who has been drinking alcohol. That was down from 39 percent in 1993.

Nine percent reported driving a car after having drunk alcohol. That’s down from 15 percent in 1993.

For teenagers who are already considered a high risk group, the only way to get cheap car insurance or cheap teen auto insurance is to have good driving habits and staying away from drunk driving at all cost. Other discounts would help in getting a cheap car insurance quote, but a bad driving record can wipe out all the advantages of any discounts and also a good driving habits can get you cheap cheap car insurance quotes.

Thus my advice to you as a parent is to try and instill excellent driving habits. Teenautoinsquote.com is continously providing you information on safety and auto insurance tips.
Best wishes for 2010 to all my readers.
Thanks.
Kamlesh.