teen auto insurance

Teen auto insurane
Teen auto insurance is high since teens are inexpereinced and new drivers. This is unfortunately not the only factors working against them as far as teen auto insurance is concerned. The fact that some of them are reckless drivers and also indulge in distracted driving is also what works against them and gives them a high car insruance rate.

Your passengers matter- if may cost you your safety, driving licnence and even prevent you from getting cheap car insurance.

The fact that there is a regulation for who the teen or new driver can have as passengers and at accompany them and this is very impportant for the safety as can be seen from the latest teen auto insurance news.

Latest teen auto insurance news- your passengers matter!

“According to Online Auto Insurance, an appeals court in Florida has recently ruled on a case that began with a crash which involved four adolescents and “some horseplay,” and that underlines the types of behaviors that cause car insurers to charge teen motorists higher rates.

The case began with a circumstance where a passenger had been repeatedly reaching across to the driver’s side to honk the horn and take hold of the steering wheel of his girlfriend’s car while she was driving it. Both of these individuals were 17 years old at the time. Two other passengers were in the back seat of the vehicle, each of whom were 16 years old.

Eventually, the actions of the front seat passenger led the driver to lose control of the vehicle which struck a concrete wall with its side as it moved along an exit ramp. The result was a negligence lawsuit.”

The passengers in this case where clearly responsible for the auto accident. Who pays? Everyone of us at the end of the day.

Teens and Parents responsiblit.
It is best if the teenager’s understand that it is not prank time when you are sitting and driving in a car. The car is not a theater or a playground at all. You are not only responsible for your own life, but you do have a moral obligation and friends
life at stake.

Some mistakes can be corrected but for some mistakets there is only penalty – which might be very heavy such as losing a dear and near one or worst still making someone or becoming invalid for life or as light as not getting cheap car insurance. All of them can be avoided.

Learn to choose your passengers well.

Get your cheap teen auto insurance quote now.

Enjoy more games like superbowl and others- and drive safe.

Kamlesh

car insurance fraud

Car insurance frauds- stop them to get cheap car insurance for you.

Car insurance frauds are not uncommon, but the number and quantum that is being paid for the car insurance frauds is getting very high and this is what is also driving car insurance rates higher. You would think that based on the law of large numbers the car insurance rates should climb down, since the number of cars are increasing year after year. The safety standards and technology is also making fatal accidents lesser than why are car insurance rates getting higher.

Its because of the frauds and the natural calamaties which are on a rise. Natural calamaties is something out of control but car insurance frauds can be controlled.

Car insurance frauds

The “accountant” tapped the bumper of van before during gradually along the Tampa rush-hour traffic. The van driver said that he was fine. He then called an accident referral service.

When the dust settled months later, $52,000, crowned the Bills all paid by the “accountant” auto insurance.

This type of result is not surprising in Florida, where staged auto accidents, excessive injury claims and other types of car insurance fraud and abuse cost Floridians $658 million in higher premiums this year are expected.

The insurance Research Council estimates that a claim in 10 ceded Florida no-fault insurance system is fraud, and a third is exaggerated or overbilled. Around 27 percent of the personal injury protection receivables include a visit to a pain clinic, the IRC says, while a third of them that an MRI and 43 percent are part of chiropractic.

Television and viewing lawyer and accident referral services and pain clinics set the airwaves. People in car accidents involved be pushed immediately a referral service, with the implication they get much money for their injuries.

A note about its influence: The Florida State Fairgrounds new performing arts venue is the 1-800-ASK-GARY amphitheatre. An owned by Sarasota chiropractor referral service bought the naming rights over the past year.

Much of the blame is on the feet of Florida no-fault insurance, according to which all the drivers continue to $10,000 in personal injury protection coverage for injuries in a car accident, regardless of who for the accident officer was created.

View point out that amount.

“What people hear: ‘ I got in an accident.” I’m going to get $10,000, ‘ “Insurance information said Institute spokesman Lynne McChristian.” In reality, the money usually to a sophisticated Web of doctors and the referral is services that our customers for scout.

If a referral service call someone, she says to often a pain management clinic, sent are, which can be monitored by a doctor, McChristian. Some of these clinics exist “only, fraudulent insurance companies into account.”

Florida is also tops in the nation for questionable car insurance claims bound to staged accidents with more than 3,000 in 2009. This is almost twice as many as New York and California, the second and third, according to the national insurance Crime Bureau (NICB place).

In other cases car owners have conspired airbags, with auto body shops to set off to help a total of cars on which no longer wanted to pay it.

“Innocent people insurance is this fraud, underwriting,” says Frank Scafidi, spokesman for the NICB.

Suspicious activity runs the gamut. Scafidi says, that it things like could include:

Claiming an accident took place as it is never done.That someone drive you car into a tree and tell you, it was a hit and run.Invent an accident to explain existing damage.

Scarier are organized fraud rings, where several people get together in a car and drive in such a way that causes an innocent driver that, of which the vehicle. Everyone in the vehicle, the members of the ring was then claim the hit soft tissue was not persistent injuries which show X-rays, up to Scafidi says.

To commit “the strict only makes easier and more lucrative” fraud, he says.

At the end of the money is to pay, scammers from the pockets of the other riders in Florida.

We compared auto insurance quotes for a 24 year old male on a paid off 2006 Honda Accord.

Our driver would numbers anywhere from $96 $656 per year for $10,000 worth of personal injury protection coverage in Pensacola. Move it in the hotspot Hialeah was cover Miami, and $10,000, outside in medical payments $1.168 to $2.820 annually would cost.

With the deductible already at $1000 is also no way, these bonuses do not do some car insurance comparison cut.

Reform efforts have become a business and political priority in Florida and another strict State Michigan. The average personal protection claim even in Michigan dwarfs that Florida and average prices are the highest in the country.

Florida State CFO asked recently the Florida Bar, permanent law prohibiting referral services. Bloomberg news reports that the Florida Division of insurance fraud referral services investigates accident, and said that the FBI has begun to requests.

Enforcement and insurance companies work law to the problem on the road.

An accident report says the only time, a law enforcement officials his or her own opinion, rather than only state facts can offer, Scafidi. For example, the officer may require, that the scene of the accident and the scenario outlined are not.

Insurance companies can also judgments on a case by case basis. Decision as to whether a claim is questionable says “all subjective”, Scafidi. Sometimes car insurance companies will forward questionable to examine claims on the NICB for the Agency and to investigate.

State Farm alone, the full time has investigation present claims of more than 1,000 employees,. You direct some of the NICB and amounted to offices, says state farm spokesman Lisa Weathersbee.

State farm is common to try with the NICB currently, insurance fraud through an advertising campaign to combat car, which began earlier this year.

Rather than only State Farm customers, the insurers decided for a wider campaign which calls for all Florida motorists, the NICB to contact if they suspect fraud Weathersbee says.

“Car was was affecting every Floridian of wallets and personal safety, so we wanted to inform all Floridian,” she says.

You can help in preventing car insurance frauds, and get cheap car insurance. Just inform if you find out about this.

car insurance and pizza delivery

Response

Pizza delivery drivers earn an average of $7.32 an hour, according to Glassdoor.com. The average tip is around $2.

No one signs up to get rich, just to get by.

But delivering pizza can be dangerous – and, if you haven’t asked the right questions, financially ruinous as well. According to the Bureau of Labor Statistics, there were 683 fatal accidents in the driver/sales worker and truck driver category, which includes delivery drivers. It is the eighth most dangerous job in the country.

And the job seems tailor-made for auto accidents:

Drivers tend to be young and inexperienced.Drivers are often distracted, looking for addresses or in a hurry to make a delivery.The vehicle is driven into different areas at various hours of the day and night.The car is frequently driven in bad weather.Drivers put a lot of miles on their vehicle.

The capper: If you’re using your own car to run pizzas, you’re probably not covered under your personal auto insurance policy .

If you or your teenager is considering taking a job as a pizza delivery person, there are a few things you should know before accepting the position.

If you’re driving a company-owned vehicle, liability for an accident falls to the pizzeria. But all the violations still accrue to your own driver’s license. So jump in and start driving … carefully.

Driving your own vehicle, on the other hand, requires some questions of both your insurance company and prospective employers. The majority of insurance companies will not cover pizza delivery drivers under a personal insurance policy because of the dramatically increased risks.

Some policies will cover pizza delivery if the job is part time and the policy is coded to include business use.

Pizzerias can purchase auto insurance to protect the business from liability if its delivery driver is involved in an accident while driving a personal vehicle. While covering the pizzeria from liability, this type of insurance does not cover the cost of damages to your vehicle or your medical bills.

You may be tempted to be less than honest with your insurer. But that could result in denied claims; and a dropped policy if the company investigates. If you are involved in a serious accident, it will.

Attorneys prefer to sue the employer, of course, rather than its $7.32-an-hour employees.

But many pizzerias are completely uninsured, or drastically underinsured. Some don’t know they need a policy, and others are trying to avoid the cost. (Epic Insurance’s “SLICE” program covering only the pizzeria’s liability can cost as much as $6,000 per store.)

Whatever the reason, an uninsured or underinsured employer can spell real trouble for a delivery driver.

Attorney Thomas Ryan of Cleveland represented a 43-year-old woman who was rear-ended by a delivery driver reaching for his dropped phone. Her injuries were substantial, and the pizzeria had coverage limits of only $25,000. This amount did not cover the cost of her injuries. She eventually settled with the pizzeria.

A settlement with the business doesn’t necessarily leave the driver in the clear.

“Victims are entitled to recovery from anyone who is negligent,” says attorney Bradford H. Bernstein of New York. “In most instances, it is preferable to put the claim in through the employer, but if they are not insured a claim would be put in against the driver.”

The driver’s policy is then put to the test, which it may fail if the driver has gone for the cheapest state-minimum liability policy. Even a modest fender-bender can result in insurance claims that easily exceed limits as low as $15,000 per injured person and $5,000 in property damage.

Once those limits are hit, the driver’s personal assets–or perhaps those of his parents if the driver is a teenager–are vulnerable.

How can you protect yourself?

“If you plan on using a personal or family vehicle to deliver pizza,” Ryan advises, “then make sure to check your insurance policy for exclusions, I would also check the employment agreement with the pizza company. There should be a specific provision in the employment agreement regarding whose vehicle will be used and/or who will be liable in the event of an accident.”

The only sure way to be covered for both liability and damages to your car is to purchase a commercial driver policy. These policies are always more expensive than a personal policy but they will provide the protection you need.

We compared minimum-liability auto insurance quotes for a 23-year-old with a clean record in Seattle; the cheapest policy for personal use ran $780 a year, and the cheapest for delivery use cost $1,440.

In reality, you need more protection than the state-minimum requirements provide. The recommended levels of 100/300/50–that’s $100,000 for bodily injuries per person, up to $300,000 per accident, and property damage coverage of $50,000.

“Parents will want to be cautious about allowing a child to use a family vehicle for pizza delivery,” she says. Even with a commercial policy in place, the car owner can be looked to for compensation once damages exceed the policy limits.

Gusner says a parent may want to place the car in the child’s name on a separate policy.

However, parents should check state liability laws to see if they could still be held responsible for the actions of a child. If the child is living at home and is listed on the parents’ tax returns as a dependent, it’s possible the parents could be held liable even if the car is in the child’s name.

Get cheap teen auto insurance now.

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Insu­ranc­e C­om­­p­anies h­ave qu­ite d­ifferent prices and­ p­ric­e of Stu­d­ent or teen Insu­ranc­e P­olic­ies D­rivers is different for each of the companies. Wheter it ti sGEICO, All state, Progressive, Titan all insurance companies change their offers and car insruance quotes from time to time. It would make sense if you compare auto insurance qutoes. You can check online the different insurance prices and car insurance quotes.

Get cheap teen auto insurance quotes to get the best auto insurance prices.

Delivering pizzas- do you need cheap car insurance?

You can make the delivery of the pizza very safe and avoid auto accidents or car insurance claims, thus maintaining your cheap car insurance rates since pizza delivery is a risk which is personal and business also.

Over the past five years, Fireman’s Fund has seen an average of 3 claims per day on the day of the Super Bowl, 9.4 percent higher than the average 2.74 claims per day pizza chains see on all other days. Moreover, the severity of claims are a bit higher on Super Bowl Sunday, with the average claim being $14,799 versus $12,409 on other days, the company said.

What car accidents occur frequently which prevent you from cheap car insurance

The insurance risk management team has been reviewed for auto accidents which are common when you are delivering pizzas. Obviously, though one of the main reasons for this is that the young driver or teen driver is in a hurry to quickly complete one errand and jump to another to get on the other delivery and the common auto accident s are:
• Rear end collision with the auto ahead. This is caused by speed or distracted driving.-getting another call for delievery of the pizza?
• Making a U turn or failing to yield right of way when taking a left turn.
• Backing of the vehicle and failing to look behind or on the side.

The above 3 have been observed as the biggest mistakes which lead to problems and which will deny you cheap car insurance.

Who is responsible for the car insurance the pizza chains or individual drivers who are deprived of cheap car insurance or cheap teen auto insurance quotes.

Most of the pizza owners do not provide vehicles for their drivers. A person who is responsible for delivery of the pizza is doing this at their own risk. The workers use their personal vehicles and carry bodily injury coverage on their own vehicle. It would be most advisable for the young driver to carry one million bodily injury limits .

Secondly, it would be most advisable to declare to the insurance company that they are going to use the vehicle for the purpose of pizza delivery since this would than be considered as a business risk. It is better to pay a little more than having your claim denied at the time of an accident.
You can get your cheap car insurance quote here.

How can you get cheap car insurance or cheap teen auto insurance quotes.

The first onus of getting cheap car insurance or cheap teen auto insurance for those who are working with pizza chains or owners should be on the owner. Since delivering is a part of the job they should train the drivers, see that they are licensed and also get them insured. Fleet insurance might be a better alternative from them.
Here are some tips on risk management for avoiding auto accidents and getting cheap car insurance or cheap teen auto insurance :
• Maintenance of the vehicle for safety should be done at all times- tires, brakes windows and lights need to be in first class condition so that it can withstand the heavy demand of mileage
• Do not call on the driver for another delivery when one job is already getting done.
• Pizzas should be securely packed to avoid spillage and disruption while driving;
• Proper parking of the vehicle and care when backing off should be kept in mind. ;
• Never resist a robbery — it’s better to be robbed for pizza money than wind up in the hospital or worse;
• If there are no lights on, call the shop to verify the delivery and address before entering a home;
• Defensive driving lessons should be taken or given to each driver.
Your driving record is going to be the key to your getting cheap car insurance or cheap teen auto insurance. The second key is to compare auto insurance, compare your teen auto insurance quote here and get cheap teen auto insurance quotes now.

Teen car insurance- drunk driving

What is an issue for young drivers, which prevents them from getting cheap teen auto insurance?

Young drivers and teens are complaining about high teen auto insurance quotes or the teen car insurance rates. However, added to all the other issues is the issue of drinking and driving? Not only is drinking a prevalent problem among youth, but many of those who drink also drive after drinking.

A projected increase in the population of American youth may result in an increase in underage drinking and impaired driving. The U.S. Census Bureau estimates that in the year 2000, the population of 15- to 20-year-olds will be 23.9 million, an increase of almost 2 million from 1996. The youth population is expected to increase by almost 14 percent by the year 2005 NHTSA

Fifteen percent of students in grades 9–12 (ages 15–18) surveyed in 1995 reported driving after drinking during the month before being surveyed, and more than one-third reported riding with a driver who had been drinking (Centers for Disease Control and Prevention 1996).

Why are young drivers at a greater risk of getting involved in fatal car accidents which is responsible for high teen auto insurance quotes?

The main reasons for young drivers getting invloved in auto accidents are :
1) Young drivers or teens or college students lack in experience in driving.
2) They are less experienced drivers and cannot cope with situations which require quick judgment and decision making.
3) The lack of judgment and reaction becomes more pronounced when the young drivers are drunk.
4) Young drivers are not responsible and hence they would indulge in drunk driving more than adults.
5) When young drivers do drink and drive, they are more vulnerable than adults to the effects of alcohol on driving ability. Did you know that with each 0.02 increase in BAC your risk of being involved in a fatal crash is nearly doubled.
6) For drivers ages 16–20, the risk of a fatal crash increases even more with each 0.02 percent rise in BAC (Mayhew et al. 1986; Zador 1991; NIAAA 1996a). The estimated crash risk for male drivers ages 16–20 is at least three times higher than the risk for male drivers age 25 and older at all BAC levels (Zador 1991). As per the latest survey from Allstate young girls are also catching up on this trend.

How to resolve the issue of getting cheap teen auto insurance or cheap car insurance for young drivers

We have already discussed the steps to get cheap teen auto insurance in a number of our blog post. Today we will specifically discuss this in relation to getting cheap teen auto insurance for teenage or young drivers who are prone to drunk driving.
First, compare teen car insurance quotes or teen auto insurance quotes. You do not have to pay to compare teen car insurance and it takes only minutes.

Get an ignition steering lock installed on the wheel so that the young driver does not indulge in drunk driving.

Nissan has a breath testing machine installed in certain cars, which will lock the car if the driver is drunk- you can get the same for the young driver.

Recently a system has been introduced where the car prevents drunk driving- I am sure you would appreciate this, rather than having your teen injured.

The best is to educate your teen in safe driving and staying away from drunk driving so that they do not indulge in drunk driving. A responsible young driver is the safest way to get cheap teen car insurance and have teen safety.

Summary : Understand why teen auto insurance is high or why young drivers are not getting cheap car insurane, resolve the issue which prevents them from getting cheap car insurance and get your cheap teen auto insurance quote and teen safety both.

Teen auto insurance accident

Teen insurance news: Ohio teen auto crashes have dropped.

Teen safety has been achieved and with this cheap teen auto insurance rates can be obtained in Ohio since they have seen a decline in the teen auto insurance rates.
As per the Insurance news , nearly four-year-old restrictions on Ohio teen drivers get some of the credit for a drop in accidents on Ohio roads.
The state Department of Transportation says Ohio saw a 16.7 decline in overall vehicle crashes between 2005 and 2009. Fatal accidents fell 23 percent.
The positive change in the trend of teen auto accidents and fall in auto insurance claims for the insurance companies is attributed to the graduated license law and increased seat belt use along with the better education programs which are running in the state.

< h2> What is the law that has helped with teen safety and cheap teen auto insurance rates
In Ohio in December 2006 the law was passed which :
Drivers under 17 can have just one passenger who is not a relative.
Teen drivers under the age of 16 that hold a Temporary Permit may only drive with a licensed parent, legal guardian or certified driving instructor.
The Temporary Permit holder must carry a photo identification card with their application with front and back data at all times while driving.
All Temporary Permit holders must finish 24 hours of class instruction and 8 hours of driving instruction with a certified driving instructor. In addition to this training, the teen driver must complete 50 hours of practice driving with 10 out of the 50 hours being nighttime driving.
A teen under 18 cannot drive during overnight hours without a parent of guardian except for work reasons.
This has helped reduced teen auto insuarnce rates, teen auto accidents and so this is naturally a very positive trend. This has helped to reduce teen auto insurance rates.

Can this be done in all states of USA and Canadian provinces for teen safety and reducing teen auto insurance rates

It is open for discussions here, that if Ohio could bring down the teen auto insurance accidents and bring in positive results with the cooperation of all especially the parents and teens, should we all also try for this.
How would you like to pay less teen auto insurance and save your money?
Your participation, opinions and comments do matter to us. Let’s have this debate and participation from all of you on teen safety and getting cheap teen auto insurance quotes.
Thanks.

Teen auto insurance quotes and staged accidents

Staged auto accidents are something which can shoot up your teen auto insurance rates.

Teens are mostly looking for the thrill to drive a car and getting to their destination that they would not be watchful of the things going on the road. However in USA and also in Canada especially where there is no fault liability staging of auto accidents to get auto insurance claims is a common practice adapted by some scheming people and the teenagers or other drivers fall prey of this. Your teen auto insurance rate will skyrocket by no fault of your own.

How are collisions staged? Do they impact teen auto insurance or car insurance?

In this economical recession, the auto insurance claims are much higher in United States and also in Canada. The present teen auto insurance rates are already hurting. The staged collisions are increasingly involving innocent drivers. There are several ways the staged collisions are poised as being made to appear authentic. The common tactics that have been identified for this are :
a) Target and Bullet : Here a person who is driving the car unsuspecting is hit intentionally and a collison is stage, wherein the innocent driver gets involved unnecessarily.
b) Swoop and squat: At times there will be two cars which are used to stage the accident. The front one all of a sudden slams on their brake and this gets an innocent driver to rear-end the vehicle. In some cases, two vehicles are involved in the fraud, causing an innocent third party to rear-end the second vehicle;
c) Drive down or wave-in staging method. Here a driver exiting a parking lot is ‘waved in’ by a driver on the roadway. The roadway driver accelerates into the merging car once they enter the roadway, intentionally hitting the innocent driver and causing a collision where the innocent driver appears to be at fault.
In all the above cases, the fault would be of the innocent driver who has failed to excercise caution. Imagine if you were involved as a teen driver what would be your plight and your teen auto insurance rates or teen auto insurance cost would certainly increase.

Compare your teen auto insurance quote here and get cheap teen auto insurance quotes.

Steps that you can take to get avoid stage collisons and get cheap teen auto insurance quotes.

The first thing as a teenager you should be doing is to concentrate on your driving so that you do not fall a prey of all these above gimicks. Secondly teen drivers should be most careful of avoiding any distractions.

If by chance you fall prey of a staged accident tha follow the advice given by the insures to protect yourself from the fraud and the steps are given below :
• Make a note of the number of paasengers along with their ages and genders alongwith their names and contact addresses. Count the number of people in the car since this is important and might change at a later date.
• It is best to call the police to the scene, file a police report and keep a copy. Do not take further direction from anyone other than a police officer;
• Do not fall for any information given by a tow trucker. They would pressurize you or guide you to a particular mechnaical shop or body shop or even provide information on paralegal or medical professional. It is best to call your insurer and get a list of preferred auto shops;
• If possible take photos of the scene, including damage to all vehicles involved; and
• Make sure all bills are detailed and accurate, medical treatments offered are necessary, and always read forms thoroughly before signing them.

Call your insurance company and talk to the claims people there to get their help and advice on the claim. It is possible that the insurance company will investigate the matter immediately and you would not end up with having full liability for the claim.

Yes, get your cheap teen auto insurance qoute here. It cost nothing to get a quote for free and the insurance rates do flucatue so you can still ge the best car insurance quote.

Good driving habits is the key to cheap teen auto insurance quotes.

Good driving habits are the key to cheap teen auto inusrance quotes or cheap car insurance and this is something most of us know. The most difficult part is making the teenager or young driver understand it. I do not blame the teens or the young drivers, most of us who are much much older also do not seem to be realizing the advantages of good driving skills and the fact that it is giving us cheap car insurance. Its like prevention of diseases or the addiction to smoking- we cannot seem to stop it. Let me assure you that you can have good driving skills and can cultivate them.

Check out your cheap teen auto insurance quote here.

10 deadly mistakes to avoid in the winter, to ensure that you get cheap teen auto insurance quotes.

The truth is that winter is the worst season for driving a car. You need not have the false sense of security when you are in a four wheeler that your car would skid less and you are safer than riding a four wheeler. Remember that your car can skid and will skid if you are not careful and that car accidents also can be worst. Here are 10 things you should not do when driving in the winter :
1) Driving too fast. This is the biggest mistake and the penalty is highest for this mistake since speed on slippery or icy roads is a license to disaster. I do not want to even talk about teen auto insurance rates or car insurance rates here. I shudder… at the very thought of the escalation of teen auto insurance rates. Do not speed during the winter, but give your self some margin of time.
2) Tailgating or driving very close to another car : This is another thing to avoid since due to the wet conditions the brakes might fail, secondly the road conditions are slippery and hence the distance of stopping your car can easily be misjudged. Follow the rule of safe distance of atleast 2 cars in between the cars.
3) Overcorrecting on ice: Remember that you need not keep on overcorrecting at all times and remember that the rear wheels allow you to steer into the direction of the skid and regain your control.
4) Avoid driving when you are tired especially during th winter since the winter is the time when the road and the ligth conditions are not the best. It is almost like night driving and this can be psychologically also more taxing and tiring.
5) Do not drive when there is poor visibility : When visibility is low, its best to avoid driving since you are more likely to hit something or go off the road.
6) Avoid driving on backroads: When you try backroads this might prove more dangerous since the chances of removing the snow or cleaning the back roads would be slim. Besides if you are stuck on these roads, help would also be difficult to come by easily, since backroads would not be frequented.
7) Not getting your car ready for winter: This is another thing most teens avoid doing due to shortage of money or having spent the money elsewhere or they just putting it off. It is important to get your car ready for the winter as much as it is necessary to get your winter clothes.
Failure to carry warm clothing, blanket or other car equipment in the winter. When you fail to carry warm things for yourself in the winter in your car, it can be a great mistake since you are not well-equipped in case you cannot reach your destination. You need the snow cleaning equipment, something to keep you warm and food to eat.
9) Leaving your car when you are strangled. It is best to stay in your car during winter rather than out in the cold. Yes, normally this is not something you are advised to do, however winter is a different proposition.
10) Check the weather conditions before you start in the winter.

Precaution and prevention is the key safety factor which will get you cheap teen auto insurance quotes or cheap car insurance

Just taking a small step or action before you begin the journey, being alert and being aware would surely reward you and pay you handsomely in terms of your own safety and that of your friends who are driving with you. The rewards of saving on car insurance and getting cheap car insurance may seem small but when you save over $500/- per year, it becomes huge. Your safety is even more important.
Drive safe in winter and enjoy with your cheap car insurance quotes from us. Did you get your quote?

cheap car insurance and speeding is it possible?

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.