Anna Paguin : Thanks for your information on how to select the right model to get cheap car insurance quote for teen auto insurance, please let me kown which models are considered as safe models by the NHTSA?

Safety cars that get you cheap car insurance for teen auto insurance

Response : Anna, I am happy to note that you liked my article on which are the cars which are unsafe for young drivers or teenagers or for that matter any drivers. These were the cars for which the auto insurance companies would charge higher rates on account of the higher risk and damage factors.

Now let us consider the models which are considered to be safe and which would give you a very cheap auto insurance or cheap teen auto insurance rates. Here are the models of this year that are considered safe by the NHTSA and the Insurance Information institute.

Best Kia Soul
The safety features of this car which are the electronic safety system :comprising of antilock brakes, stability and traction controls, and a tire-pressure monitoring system. The Soul proves itself as a family vehicle by offering a Lower Anchors and Tethers for Children (LATCH) system in the backseat. This is designed to keep child seats securely fastened. The Soul is in the small-car category, and tests showed only a 10% to 20% risk in emergency braking and handling, while it received a “good” rating in the IIHS airbag evaluation.This is considered the best vehicle when you have young children driving with you.

Best: Audi A4

The Audi A4 is one of the safest upscale sedans and boasts six airbags. In addition to the standard driver and passenger-side airbags, the A4 has seat-mounted chest side airbags and a Sideguard head-protection airbags with rollover sensors. Earning a perfect score across the board, the Audi A4 claims to create “a cocoon around the occupants for maximum protection. Chances of injury are remarkable lower, however the due dikigence for air-bags being blown is to be taken since this itself can injury you.

Best: Hyundai Genesis

The 2009 Genesis is Hyundai’s first rear-wheel-drive luxury car for the U.S. market. It’s equipped with electronic stability and antilock brakes with brakeforce distribution technology. The airbags received five out of five stars from the NHTSA tests. The Genesis is Hyundai’s first attempt at a luxury vehicle and actually seems to be competing with cars in its class such as the Acura, Lexus and Infiniti. There is finally a genuinely safe Hyundai model offering luxury at an affordable price.

Best: Honda CR-V

The HondaCR-V ranks among the best in occupant protection and crash compatibility in frontal collisions. Honda prides itself in offering a proprietary body design called the Advanced Compatibility Engineering (ACE). ACE helps manage and reduce the forces in a crash and can help disperse the forces transferred to other vehicles in the event of a collision. The car’s side-curtain airbags offer rollover sensors and a faster-inflating system. NHTSA tests indicate it has a 10% to 20% chance of rolling over.Best: BMW X5

This mid-sized SUV offers comfort and safety, and the new model has an optional third-row seat and room for seven, along with more cargo capacity. It has a 17% chance of rollover, resulting in a four-star rollover score from the NHTSA. It has earned four out of five stars for emergency handling and breaking, which is good for its class.

So, you can easily think of buying one of these cars which will serve you the dual purpose of getting a cheap teen auto insurance quote and also safety for your teenager or any rider in the car. Be safe and enjoy.

Thanks.
Kamlesh

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Keith Baxter: How can you get cheap auto insurance teen discounts? What are the auto discounts that a teenager can obtain for auto insurance?

Response: There are a number of discounts the teenager can obtain for a cheap auto insurnace quote and it would vary from company to company or change from time to time and hence the need to compare auto insurance quote. Here are some of the discounts :

  • Graduated driving lessons discount: Defensive driving is one of the ways of obtaining auto insurance discount for young drivers. The discount normally applies for 3 years. For example, if your auto insurance premium is $150 per month, the premium is $5,400 for 3 years. The policy holder will not get 10% discount on the comprehensive coverage, but all other auto insurance coverages. One can easily save $450-$550/- for their personal expenses in a period of 3 years.
  • Good student discounts: It has been statistically proved that young drivers who are good students are more reliable and mature and this enables them to make better driving decisions. Based on these findings, the young driver is given a discount of 5-10% for obtaining a good grade, normally an average over B in high school or college. If the young driver has to pay his or her own automobile insurance, this will be another motivator for him or her to make good grades
  • Auto Safety Features: Most insurers consider that owners with cars containing safety features may have fewer accidents and reduced injuries. Safety features like antilock brakes, air bags and other additional features in a car are encouraged especially for young drivers. The insurer will give you higher auto insurance discount for these safety features.
  • Claims free discount: Once you have had no claims on your auto insurance policy for 3 years, you will get low auto insurance rates since you will get a claims free discount.
  • Online Insurance discounts: Most insurance companies give a higher discount when insurance is bought online since they save operating costs.
  • Membership discount: Being a member of an association, a school or club would get you a car insurance discount.
  • Multiple cars, multiple coverage discounts can be obtained if you insure multiple cars or multiple coverages like auto and home with one insurance company.
  • I am sure these tis would really help you get auto discounts. Check out the quotes here and am sure you will not be at all disppointed.

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