Teen auto insurance

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

Teen auto insurance

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

Teen auto insurance

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.

Teen auto insurance

Teen auto insurance

Pat Manocchia : As a parent what would be the best advice for winter driving and you need Ten Deadly Mistakes of Winter Driving. I want my son to avoid auto accidents so that he can get cheap car insurance and have safety also.

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?

Teen auto insurance

Teen auto insurance

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