Joel Patterson : I have bought my son who is a young driver a Toyota car. With all this news on Toyota I wonder if the general insurnace company still consider this a safe car or will the teen auto insurance rate increase for my son?

Teen auto insurance and Toyota car safety
Response : Joel, there is a lot of hue and cry about the safety about Toyota’s safety. Let me assure you that Toyota is still considered a safe car by the general auto insurance companies. This news is from the Insurance site as on 3rd March 2010. Although Toyota recently has come under fire for not addressing gas pedal problems in its vehicles that led to accidents and injuries, the company has had some positive safety news: The Scion xB and Toyota Corolla have earned the Insurance Institute for Highway Safety’s Top Safety Pick.

Here is how the insurance institute for highway safety qualify the car for safety. To qualify for Top Safety Pick, a vehicle must earn the highest rating of good in the Institute’s front, side, rollover, and rear impact tests and be equipped with electronic stability control. The xB and Corolla are the first Toyota models to earn Top Safety Pick since the Institute tightened the criteria to win by adding the new rollover test for 2010.

To earn a good rollover rating, a roof has to support the equivalent of four times the vehicle’s weight compared with the current federal standard of 1.5, IIHS said. In the Institute’s test, the xB’s roof withstood a force equal to 6.8 times the car’s weight. The Corolla’s roof supported 5.1 times the car’s weight.

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The xB and Corolla also earned the 2009 Top Safety Pick award.

“Top Safety Pick recognizes the vehicles that afford buyers the best overall protection in common crashes,” says Institute president Adrian Lund. “With more top performers, there’s no reason to buy a small car with less than stellar crash test ratings.”

There is no need to worry, but you can definetly ask your son to drive carefuly and am sure you are guiding him. With a good driving record your son would definetly get cheap teen auto insurance quote.

Thanks.
Kamlesh.

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Ross Goldberg : I am looking for the best car insurance rates from the general auto insurance companies, especially for young drivers who are aggressive. Information on why agressive driving is rated higher by the general auto insurance companies would be appreciated?

Best car insurance rates from general auto insurance companies.

Response : February is denoted as Aggressive Driving Month and is a time when all efforts are made to spread the awareness and dangers of aggressive driving, especially to the young drivers.

What exactly is aggressive driving? The list as to what encompasses to be part of aggressive driving is endless. Aggressive driving is speeding. It is operating the vehicle in an erratic, reckless, careless, or negligent manner or suddenly changing speeds or changing lanes all of a sudden. The aggressive driver fails to yield right of way, obey traffic signs, traffic control devices or safety zone traffic laws. They also fail to observe warnings or instructions on vehicle displaying them. In short aggressive driving is driving in such a way that you are the sole driver on the road and not caring about others on the road.

Many general insurance companies like Cure auto insurance, Liberty insurance,Progressive insurance are taking steps to reduce aggressive driving.

Aggressive driving certainly, would lead to accidents whether it is you or another driver who is aggressive. You need to ensure that you are not an aggressive driver, since this way you will stay away from accidents, your driving history will imporve and you would qualify for the best car insurance rates for young drivers. Get your comparitive auto insurance quote today.

Thanks.
Happy Motoring.
Kamlesh.

Jeff Vacek : Why are good grades important for getting cheap car insurance rates or the best auto insurance quotes for students?

How good grades can get students best auto insurance quotes and cheap car insurance rates

Response : For college students and parents getting good grades are motivators as well as incentives for getting the best auto insurance quotes and cheap car insurance rates since this proves the students responsiblity and maturity. Auto insurance companies for college students also offer discounts for students that maintain a high grade point average (GPA). College auto insurance discounts can save up to 25% on the student’s insurance premium. Ofcourse you get your scholarship and other incentives from the college.

Most good student discounts require a GPA of a “B” or above. On a four point grading scale this is a GPA of 3.0 or greater. For most insurance companies there is only one level of good student discount tied to grades. The auto insurance companies analyst have determined that if you have a good grade than it would mean that the student has shown determination and responsiblity which are the necessary traits for good driving and controlled driving or making good driving decsions and hence the risk of auto insurance losses are less. This would be termed as low risk in insurance terms. For many parents and college students auto insurance discounts help motivate the student to keep their grades up. College students typically pay up to twice what their parents pay for auto insurance, and the discount of up to 25% can result in enough savings to pay for the students books.
Here is some helpful information from our Online Help System when you get a quote and purchase through Please indicate if the individual under age 25 is a full-time student maintaining a “B” average, or otherwise qualifies as a “good student”.
A young driver qualifying as a “Good Student” is a full time student in high school, college/university, or a certificate degree program. The student should meet at least one of the following criteria:
 In schools designating grades by letter, had a grade average of B or its equivalent
 In schools where numbers are used to designate grades, had an average of at least 3 points for all combined subjects
 Is ranked scholastically among the upper 20% of his/her class
 In schools that maintain a Dean’s list, Honor Roll or comparable listing for scholastic achievement, was included on such a list
I am sure you now understand why and how auto insurance is assoicated with getting good student grades. I have also given what the requirements are. Thus aim at getting good student grades to get cheap car insurance rates and the best car insurance quotes. Yes, the quotes can be got at this site teenautoinsquote.com, just click and check it out.

Robert (Neveda): I had a car accident last week and my car is a total wreck. Luckily I was not hurt nor was any one else hurt. Now my auto insurance premium and car insurance quote is going to increase. However, at the moment I am looking for some information on auto insurance claims. Please help me.

Response: Robert, I am happy that you are fine and were not hurt. Do not worry about getting cheap teen auto insurance quote, I wil help you with this later. First lets talk about car insurance claims.

The insurance companies would h, auto insurance companies estimate total cost of auto repairs in one of two ways, one is with an estimate from an auto repair shop or through a claims adjuster.

This is a case of own damage of auto insurance. For example, the driver hits an animal and causes damage to the hood and the engine. The car is smoldering and must be parked on the side of the road. The driver must call his or her auto insurance company to file a claim and to have the car towed to an auto repair shop where an estimate will be performed.

If the damage is serve they will ask their adjustor to adjuster to the scene. The claims adjuster will then proceed to verify the loss after the driver calls the auto insurance company and files an insurance claim.

The role of the claims adjuster is to inspect the car for damage and estimate the cost for repair. Claims adjusters are highly trained to spot damage on all parts of the car, even underneath.
After inspecting the car, the claims adjuster determines the initial estimate based on parts and labor. The auto insurance company then takes this estimate and executes an automated claims process using proprietary auto insurance industry.

If the auto insurance believes that the car is a total loss due to damage incurred it performs an evaluation of the car to estimate the actual cash value (ACV). If the cost to repair the car falls between 51 to 80 percent of the car’s ACV, the auto insurance company determines that the the car is a total loss.

Once the auto insurance declares the car a total loss, two choices are presented to the driver: receive the actual cash value of the car from the auto insurance company toward the purchase of a new car; or keep the damaged car (if drivable) and pay for auto repairs out of pocket.
In conclusion, an auto insurance company declares a car a total loss when it determines that the cost to repair the car exceeds its actual cash value. While the owner can keep the car (if drivable) with the current auto insurance, the auto insurance company will not pay for repairs.

Hope this helps you in understanding how it auto insurance claims work. Let me know if you need any more support on this. By, the way your auto insurance quote will not increase till your renewal. When you are going to have your renewal, plug in the details here and am sure you will get a cheap auto insurance quote.

Janet Jackson: What is the Safe Teen and Novice driver Porteciton Act 2009. How does this help auto insurance and getting cheap teen auto insurance quote?

Response: Janet, this act certainly will help the auto insurance companies to curtail their losses since the auto accidents wiil be preventer. Yes, the novice driver and teens will certainly get cheap auto insurance by virtue of this since this will curtail the night time driving when most accidents occur. The training will help the novice driver in becoming mature and good drivers and over all the accidents would be reduced.

The Safe Teen and Novice Driver Uniform Protection Act of 2009 (STANDUP Act) was introduced in April 2009 by Reps. Tim Bishop (D-NY), Michael Castle (R-DE), and Chris Van Hollen, Jr. (D-MD). This legislation would establish minimum federal requirements for state GDL laws and encourage all states to adopt GDL laws that meet those minimum requirements within 3 years.

For 3 years following enactment of the STANDUP Act, states with the minimum GDL requirements would receive grants to help them with GDL education and enforcement.

For states that don’t comply with the STANDUP Act minimum requirements within three years, the Secretary of Transportation would withhold a percentange of certain federal highway construction program funds. Funds that are withheld would be returned to states that comply within 3 fiscal years following the fiscal year for which funds were withheld. Withheld funds that are not recovered by a state within the 3-year period would be forteited and returned to the U.S. Treasury.

Here is an overview of the STANDUP Act:
States must meet the following requirements under the STANDUP Act:

Thanks.