Does Vehicle Age affect Car Insurance Premiums?

Response : To understand why vehicle age so strongly correlates with car insurance premiums, you need only look at the retail values of identical vehicles from different model years. For example, a 1999 Toyota Camry has a suggested retail value of about $3,500; a 2006 Toyota Camry, about $10,000; and a 2012 Toyota Camry, about $25,000. Based on these retail prices, it’s easy to see that the later-model vehicles would cost significantly more to repair or replace in the event of an accident. For this reason, new car insurance policies tend to have substantially higher premiums than old car insurance coverage. Generally speaking, the later the model year, the more you’ll pay. Read on to find out more about the association between vehicle year and auto insurance rates and what you can do to mitigate this effect.

The simple fact that later-model-year vehicles cost more explains the difference in replacement costs in the event a car is totaled in an accident. However, the disparities in repair costs that insurers must pay are more complex. For one, newer vehicles use more sophisticated parts that tend to cost more. Additionally, vehicles from earlier model years tend to cost less to repair because they have more of a market for used auto parts. As newer models come out, more and more owners are likely to sell or salvage their older-model vehicles, which adds to the supply of available, less expensive replacement parts for that model year.

While old car insurance will almost always cost less than new car insurance, that does not mean you must drive an “old” or used vehicle in order to achieve affordable auto insurance rates. Even purchasing a new vehicle that is one or two years behind the current model year can potentially save you hundreds of dollars a year. Often, the best time to buy a vehicle, with regard to insurance rates and purchase price, is on the cusp of a new model year when dealers are trying to clear the lots for the incoming inventory.

Before you buy a vehicle, you might consider using our retrieval system to compare new car insurance quotes for a few different model years. You can then compare auto insurance premiums for the various model years to help inform your decision on which vehicle to purchase. You can obtain free quotes on coverage for any extant model year in a matter of minutes by using the form at the top of the page.

The older the car the better it is not to take comphrensive insurance. Get cheap teen auto insurance.

best auto insurance companies

Once you check on the internet you’ll find that there are thousands of auto insurance companies available for the drivers throughout USA. Unless you wish to squander your time and money looking for the auto insurance all by yourself, we’d urge searching for the aid with this. When researching, have the best auto insurance company your key concern and the price of its coverage after it. If you eventually decide to choose cost over high quality, a lot of unpleasant things can happen to you with low cost auto insurance.

Now, as each and every car owner undoubtedly knows, in an effort to find cheap auto insurance rates you simply have to log online and utilize the rate generating software. Still it’s going to be only really suitable for locating the costs of auto insurance company and not the quality which they offer to their valued clients. Almost the same way a list of the best auto insurance companies is found and from there a research has to start.

Searching for the best auto insurance probably is the least difficult among all. Simply look for the feedbacks and although their own reviews might be mainly positive you will find that third party web pages tend to be more insightful. If you come upon a blog where an individual describes their knowledge about a certain auto insurance company, take a closer look at it. You might check with the body shops. They generally have a really close look at how auto insurance companies handle the claim, which might include repairing a vehicle.

One can not browse through the books, but reviewing general financial balance of the firm is going to be wise. Best auto insurance companies are big enough and will not go bankrupt any time soon, but it’s still worth reviewing. For that particular purpose there are many impartial organizations like A.D. Powers or Poor & Standards. They offer a complete description of the financial stability of particular suppliers and present their score, that usually is displayed in Latin letter form.

If you look at the list of the best auto insurance companies you will find that the top is occupied by GEICO, Allstate and State Farm. 40% of the industry shares belong to the three auto insurance companies mentioned previously. If you want to have a look at more companies, just browse through the list of the best auto insurance companies.

Do not select cheap cost auto insurance company as there is a great chance that they will end up being unsupportive. They’ve got the tendency of taking their clients to the court trials rather than dealing with the claim according to the online reviews. With the top car insurance companies it’s not the case. Just pay a little bit extra for this type of privilege and you will be sure that your provider will never turn his back on you when the assistance is going to be required.

Get your cheap teen auto insurance quote, now.

car insurance and car body style

Car Insurance Rates by Body Style? Really?

It sounds wierd but true, car insuracne rates by body style. It matters.

Everyone knows that someone who drives a 2011 Porsche Carrera GTS with 408 horsepower will have a higher car insurance bill than someone who drives a 1997 Toyota Corolla with 100 horsepower. In most cases, the disparity in auto insurance rates between these radically different vehicles will average in the thousands…but why? Four factors account for the price difference among various body styles: age, cost to repair, risk, and size. Newer, pricier, faster, and larger vehicles all typically cost more to insure because of what they would cost to replace or repair, how likely they are to get into an accident, and how much damage they are likely to inflict in the event of an accident. Read on to find out how and why vehicle body type is so strongly correlated to insurance rates.

Below, we’ve summarized the four aforementioned traits of different body types that have the most substantial impact on car insurance rates.

Model year: Newer cars cost more to repair or replace when they are damaged in an accident, which is why drivers with late-model vehicles pay more on average for their auto policies. Remember this is only true if you include collision and comprehensive in your coverage.

Cost: One of the reasons why trucks, SUVs, and sports cars usually cost more to insure is that they tend to cost more initially than a garden-variety sedan, for instance. The more you pay for a vehicle up front, the more you will pay for auto insurance because, once again, pricier vehicles cost insurers more to repair or replace.

Power and speed: Powerful trucks and fast sports cars typically have engines with massive amounts of horsepower, and insurers have learned that most drivers tend to have difficulty resisting the urge to utilize this power and/or speed. Insurers have discovered that the amount of horsepower a vehicle has directly correlates with riskier driver behavior. As a result, drivers of vehicle types like high-powered sports cars are significantly more likely to be involved in an accident. Consequently, drivers almost always pay more for sports car insurance and truck insurance.

Size: In the case of SUVs, trucks, and other large automobiles, these vehicles are far more likely to inflict serious (read: costly) damage in the event of a collision because of their size. That means insurers will have to shell out larger settlements when the other parties file claims against the at-fault insured driver. Generally speaking, then, the bigger the body style of your vehicle, the higher your car insurance rates will be. However, there are a few exceptions—minivan and SUV body styles tend not to elevate insurance rates substantially because even though they are larger vehicles, they tend to be lighter and generally less likely to get into an accident in the first place than other large vehicles.

Yes, get your teen auto insurance quote here for  a cheap teen auto insurance.

Kamlesh

teen driving with parents guidance

vanessa bryant : My teenager is always arguing with me, when I try to teach him how to drive or anything on car insurance.

Response : Vanessa, it is true that you are not the only one, most of us are in the same boat. In fact, we are also wrong on certain things, since car driving concepts are changing fast. As Parents of teenagers we need to listen up. The rules of the road have changed since you first learned to drive, and increased auto insurance  premiums may be the least of your worries if your teen becomes involved in a collision.

The teen fatal accidents are aon the decline yet, in 2009, eight teens ages 16 to 19 died daily as a result of motor vehicle injuries, according to the Centers for Disease Control and Prevention.

“Things change and what I typically ask my students is ‘When is the last time your parents took driver’s ed – if they even did?’ It’s nothing personal… they’re just not updated on the correct methodologies,” says Sharon Postigo Fife, president of The Driving School Association of the Americas.

Learn what you can do — or not do — to retain cheap auto insurance rates  and to keep your teenager safe behind the wheel.

“Research shows that children’s driving records are related to the records of their parents,” says Russ Rader, a spokesman for the Insurance Institute for Highway Safety (IIHS).

Teens whose parents had three or more crashes on their records were 22 percent more likely to crash at least once when compared with teens whose parents had no crashes, according to IIHS data. Children whose parents had three or more violations on their records were 38 percent more likely to have a violation on their own records compared with teens whose parents had none.

 Parents need to re-evaluate their driving habits and drive the way they want their teens to drive, Fife says.

“Whether or not parents realize it, their teen is going to drive like they do,” she says.

How can you set a good example for your children? “Don’t speed, don’t make turns at 25 miles an hour, don’t talk on the phone, eat dinner and all that other stuff when you’re driving,” says Fife.

James Solomon, program development and training director for the Itasca, Ill.-based National Safety Council’s defensive driving courses, agrees that “parents need to set the proper example for teens in the vehicle.”

Here are five old driving rules — and the new rules that can help keep your child driver safe.

Old: Hands at 10 and 2

New:  Hands at 9 and 3

Experts used to recommend driving with your hands in the “10 and 2″ o’clock position on the steering wheel. However, they have since learned that “the better position is 9 and 3, which gives you a full 180-degree turn of the wheel,” says Solomon.

“You will find that some people push an 8 and 4 position. This is a very dangerous position if you are large-chested or large-stomached because your arms are trapped and cannot turn properly. Also, reaching that low on the steering wheel pulls your shoulders down, causing fatigue on the body,” he says.

Old: Two-second rule

New: Four-second rule

After much research, the old “two-second rule,” in which drivers allotted a two-second following distance between their vehicle and the vehicle in front of them, was replaced with the “three-second or three-second plus” rule, according to Solomon.

If you’re more familiar with the old method of estimating car lengths to maintain a safe driving distance, you may not even know how to execute the “two-second rule.” You  choose a fixed point that is even with the car in front of you. For example, pick a road sign or a building. If you reach that same fixed point before you can count to three, you are driving too close to the car in front of you and you need to fall back a bit.

According to the new rule, drivers should leave a minimum of three seconds following distance between vehicles, and add on additional seconds for factors such as speed exceeding 65 miles per hour and poor “light, weather, road traffic and vehicle conditions,” says Solomon.

But teenagers and senior citizens “should always maintain at least four seconds following distance,” says Solomon. “With seniors, there are hearing and vision situations, and with teens there is a lack of experience. A lot of high school driver’s ed curriculum is set at four seconds.”

Old: Left-foot braking

New: Right-foot braking only

Solomon says left-foot braking is another common mistake parents make when teaching their teen how to drive.

“If I have one foot on the gas and one on the brake, I have moved the center of my body to the right, so that in a quick, evasive maneuver I will be off balance. The left foot should always be off to the left to help counterbalance the body,” says Solomon.

Solomon says that in newer cars, the brake pedal and accelerator are very close together. That allows you to use your right foot for both, he says.

Left-foot highway driving can be especially problematic. “Not only is it not very economical – drivers are literally burning the brakes off of their vehicles – it also sends false signals to the driver behind you. After a while, their brain will override the braking signals and a collision will occur,” says Solomon.

Old: Pump the brakes

New: Don’t pump the brakes

In the past, drivers were taught to pump the brakes if the wheels lost traction on a slippery road.

“That’s no longer the case with modern, antilock brake systems,” says Rader.

Antilock brakes are designed to prevent the wheels from skidding by monitoring the speed of each wheel and automatically pulsing the brake pressure on any wheels where skidding is detected, he says.

Adds Solomon: “The onboard sensors [on antilock brakes] are pumping the brake a lot faster than you ever could

Rader says antilock brakes haven’t been found to reduce overall crashes. “But these systems are the basis for electronic stability control which research shows is significantly reducing crashes,” says Rader.

Old: Flashing headlights to send a message

New: Don’t use headlights to communicate with other drivers

Drivers sometimes flash their headlights as a way to communicate with other drivers. Depending on the situation, headlight-flashing can mean: 

·         Speed-trap ahead

·         Accident ahead

·         Turn off the high-beams, you’re blinding me

·         I’m giving you the right-of-way

·         I’m not yielding, so watch out

·         You’re going way too slow for the fast-lane

·         Nice car, buddy! I have one just like it!

There are three reasons to avoid flashing your headlights: the intended meaning can be misinterpreted by other motorists, it can make it difficult for other drivers to see and it is illegal in some states.

Because there are so many different meanings for flashing your headlights, doing so can backfire by confusing your fellow drivers.

In cases where you want to tell an oncoming driver to turn off their high-beams, flashing your lights can be dangerous. The North Dakota Parent Guide to Teen Driving, for instance, advises drivers not to flash high-beams because headlight glare can “temporarily blind you.”

In addition to confusing motorists or making it difficult for them to see, flashing your lights is also illegal in some states. For instance, in North Dakota it’s against the law to flash headlights when there is oncoming traffic. In Washington, it’s illegal to flash lights within 500 feet of an oncoming vehicle and within 300 feet as you approach another one from behind.

More safety and cheap teen auto insurance tips in the next post.

Drive safe and do not worry about teaching your teen driving. You might be better off letting the driving scholl do this job.

Enjoy your cheap teen auto insurance here.

Kamlesh 

Credit and auto insurance rate

Response : David, general auto insurance companies base the auto insurance rate on your credit. Auto insurance rate for 2012 is no different. Check your credit since your credit is going to play on your auto insurance rate.

Get your cheap car insurance now- Yes, cheap teen auto insurance or cheap car insurance.

You probably know that banks use information in your credit report to determine if they’ll extend credit. But did you know that in most states, insurance companies also consider your credit history? Good or bad, your credit history may affect which companies will sell you homeowners or auto insurance coverage and will often determine the price you’ll pay.

Late credit card payments or not having a credit history at all will often affect your rates. Here are two examples:

Last year, you were unemployed for six months. Before you could find a new job, you fell behind on several credit card payments, but you’ve caught up. Now your auto insurance rates are going up, even though you’ve never filed a claim against your policy. What’s the reason?You’ve always paid your bills on time, but you pay by check or with cash instead of applying for credit—even for major purchases. Why would this be a problem?

What’s the score here?
Insurance companies have always used various criteria to determine who to insure and at what rates. For example, auto insurance rates are based on your age, driving record, make and model of your car, and how many insurance claims you’ve filed in the past. In states where it is permitted by law, insurance companies also use credit information as an additional factor to help predict which drivers represent more risk. Insurers believe that the more stable your credit history, the less likely you are to have an accident or file a claim against your auto or homeowners insurance policy. And the more likely you are to pay your insurance premium payments.

If your credit history (along with other factors considered) suggests that you are likely to be a responsible driver, you may be offered a lower premium. But if your credit history is tarnished—or if you have little or no credit history—you may pay higher premiums for the coverage you’re offered. You may even be denied coverage altogether.

How you can improve the score
If your rate changes or you are denied insurance coverage because of your credit history, the federal Fair Credit Reporting Act allows you to order a free copy of your credit report from the bureau used by the auto insurance company. If you feel the information provided to the credit bureau is incorrect, you can dispute it. Every insurance company is required to disclose whether you rate was affected by your credit report, and other consumer reports, such as your motor vehicle report.

If you’ve been turned down for insurance, this may feel like too little, too late. But if your credit history is affecting your ability to get auto or homeowners insurance (or the premiums you’re charged for it), here are a few things you can do:

Clean up your credit immediately. Pay at least the minimum amount due every month, consolidate high interest credit cards on a lower rate card, and don’t spend beyond your means.If you don’t have any credit, get some. Your lack of history is what’s hurting you; to the insurance companies, you’re an unknown quantity. Although you don’t want to run up excessive debt, you do want to show that you can use credit responsibly. Student or car loans, fitness club memberships, and store credit cards are usually easy to get and can help your credit report if paid regularly and used correctly.Once a year, check your credit reports at AnnualCreditReport.com. This site allows you to request a free credit file disclosure once every 12 months from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion. The information contained in one report may not be reflected by the others, so make sure all the information is correct and dispute any errors with both the creditor and the credit bureaus involved.

For now, the use of credit reports is an industry standard. Make your credit work for you by watching it closely. In most cases, you may be rewarded with lower premiums if you do so.

Watch your credit rate and your spending for the holiday season you need a low auto insurance rate for 2012.

Although male drivers as a whole do tend to pay more for auto insurance than female drivers, the difference is not as pronounced as you might think. The disparity between the auto insurance rates of men and women is most prominent between the ages of 16 and 25. Men in this age group typically pay premiums that are anywhere from 10-20 percent higher than those of their female counterparts. After the age of 25, however, the gender gap in premiums diminishes significantly. Risk accounts for the difference in rates, as we will explain in detail below.

The car insurance rates you pay for coverage are entirely determined by the amount of risk you and your vehicle represent to your carrier. The more statistically likely drivers with your demographics are to have an accident, the higher your auto insurance premiums will be. For this reason, male drivers between the ages of 16 and 25 pay the highest rates of any demographic group. Not surprisingly, they also have the highest accident and fatality rate of any group. On the whole, men tend to represent a higher accident risk than women, which is why male drivers pay roughly ten percent more for coverage. A few reasons why men are higher accident risks are included below.

Men are 77 percent more likely to die in a traffic accident than womenMen as a group drive more miles per year than womenMen are 50 percent more likely than women to have a drunk-driving violation on their driving recordMen are 10 percent more likely than women to have a moving violation on their recordThe vehicles men drive are worth about 10 percent more on average than the cars women driveMen are more likely to speed and drive without wearing a seatbelt than women

Men and women generally have markedly different driving habits and also somewhat disparate coverage needs. Men drive more often than women, and they also tend to drive more valuable vehicles—both factors that increase car insurance premiums. Additionally, male drivers are more likely to insure multiple drivers and/or multiple vehicles on the same policy, which can also drive up costs. Finally, women are more likely than men to be transporting children when they drive, which may partially account for why men generally engage in riskier driving behavior than women.

The strategy for finding the most affordable car insurance premiums is the same regardless of your gender. Male or female, you will save the most on auto insurance if you shop around and compare rates and coverage. To see the lowest rates available for your gender, simply input your information into the field on this page. Once we have some basic information about you and your car, we will show you up to five of the most competitive auto insurance quotes available. The quotes are free to view and come with no obligation to buy, so request your offer today.

There is good reason to be nervous when your teenager learn to drive.

Compare teen auto insurance quotes now]

The crash rate for 16, 19 per mile driven is that four times of the risk for 20 and older, according to the Insurance Institute for highway safety (IIHS). These figures explain why auto insurance rates for young people are so high.

Fortunately, you can help to protect your child in the early years of driving. The following are seven ways to keep a teenage crash-free:

Search for a driving school, certified trainers, containing practical exercises with experienced, even if your condition behind requires the wheel instruction. Inexperience is the main reason why teens are risky drivers.

Still, not the ability to scan the road and to anticipate danger developed new drivers. They tend to their keep connected to the car in mind and assume that as long as they obey traffic rules, are all the others, to.

“The real key to crash free drivers is the use of our eyes”, says Hale Gammill operations in Southern California for DriversEd.com and a past Director of the school, executive Director of the driving school Association of the Americas.

Young people have not also experience with handling vehicles different Situationen–how fast a car on wet ground or how far comes to a halt, that it distracts, when suddenly his steering wheel is enabled.

These skills have become so instinctive for adults who are not even be consciously, or able, to explain and demonstrate them a teenager.

Good driving instructors teach young people, what are you looking for and how you respond.

New drivers need much practice. The crash rate for 16-year-old is twice as high as that for 18 and 19, according to the IIHS.You spend as much time as you accompany your young people as they learn to drive, they exposed to different conditions.

“We know, these children have more time behind the wheel, they are the better,” says Gammill.

California, requires, for example, 50 hours of practice for young people, before they can be licensed. Gammill recommends at least 100 hours.

It does not well young people not to text and drive, if you do it. So, you avoid messages to check and your phone in the chat, while driving your kids to school.

Maria Wojtczak and her husband, Richard, DrivingMBA, a driving school in Scottsdale, Arizona, founded after the death of nine students from their local school district in car wreck in 2002 and 2003.

“We have often to break young people habits, which have picked up by MOM and dad to work”, says Maria Wojtczak. “Parents need to consider their own performance.”

Take out the first time not shy new driver on a congested, four-lane Avenue. Start in the empty parking lots and quiet streets and work, says Gammill.

Your teen feel less scared and overwhelmed, and are also more comfortable, feeling.

“If it like Mr. Toad wild ride, then will the next time your son or daughter, to practice, go, go not to be,” says Gammill.

Parents and young people on the same page may not even after talking about expectations, limits and sanctions. A parent-teen prevents ambiguities and clear guidelines in writing.

Contracts parent-teen driving are available through insurance, AAA, centers for disease control and some State departments of motor vehicles the contracts outline expectations for youths and their parents.

These documents may include rules on the wearing of seatbelts, obey traffic rules and – for parents – respectful and constructive feedback on driving technique.

Once you have set the boundaries, they enforce with follow. Randy Bleicher, chief instructor for the Ford driving learn for life, the clinics of the country and a former racing driver and teacher with the Bob Bondurant continues high performance driving school in Phoenix, Arizona says driving privileges and behavior monitor after young people receive their licenses,

“Not only they throw the key,” says Bleicher. “Knowledge, wherever they are, go to what they do and the number of friends in the car.”

Straight-A students pick not necessarily driving skills more quickly than their peers. In fact Wojtczak which not says well, can service provider first drive with a perfectionist, excessively analytical approach, on the streets.

Just like other children, talented daughter must good guidance and much practice.

Go together with young people for the first time, the you somewhere new, car also if they already have their licenses. Make sure that your teen has a similar road traveled before him or her drive, which is the only forward to have.

Car wrecks are the leading cause of death for young people, a third of all deaths from 16 to 19, according to the National Highway Traffic Safety Administration.

Remember that if you are crash free you get cheap car insuracne, cheap teen auto insurance.

Car Insurance Quotes on Your Own Terms – Get the best car insurance terms at the cheapest auto insurance rates.

Response : If you have about five minutes to spare, you can receive free auto insurance quotes using our quick, hassle-free system. No matter what type of coverage you are looking for, we can accommodate you. Our streamlined process will help you find instant, free, online, fast, and convenient quotes with the least amount of time and effort on your part.

The overwhelming majority of our competitors supply their users with only one coverage quote at a time, and for that one quote, users can expect to spend up to an hour completing forms online. On a handful of sites, you might even have to pay for the quote and/or supply documentation before the company will give you an offer. Sites like these waste your time, your patience, and your money.

By contrast, a car insurance quote takes most drivers between 10 and 15 minutes to retrieve using our simple process. The online request form you will use is straightforward, brief, and easy to complete. The rates you will receive once you submit the form are completely free and do not obligate you to buy coverage from any of the providers listed. Best of all, through our site, you get not one quote, but up to five. We make insurance companies compete for your business and offer the best rates available.

Besides as on this site, you would be guided to keep in mind that getting the cheapest car insurance is equally important as getting the best car insurance coverage which is adequate based on your state, your driving profile and your financial needs. The key to passing on any risk like car accident risk or liability risk to the insurance company is to save yourself from the unforseen high financil liability- this is the purpose, The best car insurance is one which is there to back you, pays your claim and takes over the legal burdern from your shoulders on to thier’s when you most need them in this time of need.

Remember like your car where you have the control of the car you can have control of  car insurance quotes- once you understand how car insurance works, what is in it for you- you would make the right choice.

Yes, you can get the best car insurance and the cheapest car insurance here, take a moment and get your teen car insurance quote.

Happy Motoring.

Kamlesh

How dangerous are the roads? Well, with cell phones, computers, GPS systems, angry drivers, sleepy drivers, and even the weather to pit your driving skills against, you may think that you need an armored Humvee to make it through the mean streets alive. However, armed with the information in this infographic, you can at least be aware of the various challenges that you’re up against every time you get out on the road.

No one can control another driver. The most we can all do is be the best drivers that we can be and try to avoid the hazardous behaviors listed below. Even one accident can result in significant increases in your insurance premiums. Even worse, more and more municipalities are cracking down on moving violations like texting while driving, resulting in heavy fines and even jail time for repeat offenders. The bottom line: there are a million ways you can make a little mistake and end up paying a big price out on the road, but the people who pay the ultimate price are the ones who die in traffic accidents – and no one wants to be responsible for that.

Cell phones have changed the world in so many ways. They connect people across the country and even the world. They let us contact emergency services at the drop of a hat, no matter where we are, which can save lives. Unfortunately, using cell phones while driving is a main reason why people need to call for help in the first place. Cell phones are responsible for 24,000 injuries per year and 995 deaths. That’s right – using your cell phone while driving could be fatal.

Texting drivers are even more dangerous than drunk drivers. Drunk driving only makes you 4 times more likely to crash your car (although we all know that there’s no “only” when it comes to car crashes). Texting while driving increases your chances of crashing by a factor of 8! That’s twice as bad as getting behind the wheel drunk – and no one would do that! So why do so many of us think nothing of doing a little texting while in motion? It’s because we don’t realize how dangerous it is.

In terms of distance, a drunk person needs an estimated 4 extra feet of braking distance compared to a driver who hasn’t had anything to drink. Meanwhile, texting drivers need 70 extra feet! That’s insane! Nobody has an extra 70 feet to spare when driving around – maybe on the highway, but definitely not in the town or a city. To make matters worse, 21% of drivers admit to texting while driving and a whopping 46% of teens admit to texting while driving. Yup, that’s pretty much half. If you ever pass a teen driving a car, flip a coin (don’t do it while driving!). There’s a 50/50 chance that the teen you passed is a texter.

Technology isn’t the only thing out there trying to kill you on your morning commute. The weather is also a powerful foe. We’re all taught to alter our driving habits according to the weather and leave ourselves extra time to arrive at our destinations, but with the hurried pace of modern life, we seldom do so. This bad behavior results in more than 1.5 million weather-related accidents every year. And that number only accounts for the 43% of accidents that actually get reported. The remaining more-than-half are under the radar but still end up causing property damage and injuries/death. Of the numbers we do have access to, 673,000 injuries per year are attributable to weather, with 7,400 deaths.

Everyone knows that alcohol and driving don’t mix. We’re told again and again how dangerous it is to drink and drive, but we seldom come face to face with the statistics behind it. For starters, almost 11,000 people die every year in accidents related to drunk driving. Of those, more than 3 youths die every day. The average for a drinking and driving-related death is 1 person every 50 minutes. That means that when you leave your house for your standard 8-hour work day, by the time you drive home, 9 people are dead from accidents connected to drinking and driving. These deaths make up about one third of all traffic deaths.

Even if you’re not drinking alcohol, splitting your attention between the road and a tasty food or beverage selection can be dangerous. Studies show that eating or drinking increases your chance of an accident by 80%. What’s worse is that 70% of people eat while driving and 80% drink while driving. Eat before you get on the road!

There are many other causes of accidents and deaths out there, but what does all this do to your insurance costs? Well, for starters, the average cost for an insurance policy in America is $1,567. Of that annual fee, 40% of it goes to cover liability costs. This may be connected to the fact that 1 in 6 drivers is uninsured – that’s a staggering number, especially given how many Americans lack health insurance and how expensive medical costs can be after an accident.

Speaking of costs associated with accidents – even just one accident causes a more than 10% jump in your auto insurance rates. Two accidents bumps it up to about 30% more. If you even get to 4 accidents, count on your auto insurance just about doubling.

You don’t have to pay more than you should for auto insurance though. To see how much you might be able to save on your auto insurance just enter your zip code in right now for free auto insurance quotes!

Be ware of driving hazards since once you can avoid the driving hazards you can obtain cheap teen auto insurance.

What state has the highest auto insurance rates?

You can get immediate teen auto insurance quotes by entering your zip code below!

A survey published by the Miami Herald last year ranked the states and their average auto insurance premiums by using a formula which included data on 2,400 different cars, compared in at least 10 zip codes per state, for every state and the District of Columbia. After crunching the numbers the top five most expensive were Louisiana, Michigan, Oklahoma, Montana, and California. The bottom five included New Hampshire, Wisconsin, Ohio, and Vermont, and Maine. The most fascinating part of the survey revealed that only three states had annual premiums of under $1,000.

In fairness, the survey considered the “average” auto insurance policy a typical American driver would have. Being that most Americans take out loans to purchase their cars, a standard auto insurance policy includes state liability, collision, full glass, and fire & theft. Understanding this explains why 47 states and the Dictrict of Columbia had rates in excess of $1,000. If all you’re going to purchase for your car is minimum state liability your policy will cost you significantly less.

It’s also important to note that cars of different styles and values were used in the study. It goes without saying that if you drive a BMW, your car insurance is going to be more expensive than someone who drives a VW. An SUV will cost more than a compact car, a brand-new car will cost more than a used one, and larger vehicles with lots of glass will be more costly than a small vehicle with a little glass.

State regulations play an extremely important role in auto insurance prices because of their artificial influence of the market. For example, a state that requires extremely high liability amounts may be justified in doing so because of population density. Nonetheless, mandating higher liability limits will always result in higher auto insurance premiums. Someone has to pay for it; and it’s not going to be the insurance company.

Another thing to consider in terms of state regulation is taxes imposed on your insurance policy. If you look over your declarations pages you will probably never see the words “tax” or “taxes.” That’s because the government is not foolish enough to put that line on your declarations pages. Instead, they use creative terms like “fees” and “surcharges.” In a highly taxed state like New Jersey, for example, state fees add a significant burden to the amount of insurance money we pay.

When people move from one state to the next they are often surprised at the difference in their teen auto insurance rates. This is especially true if the cost went up after they moved. Unfortunately, your car insurance carrier has to take into account population density, the distance you travel to and from work, weather conditions, the safety record of the average driver in the state, and many other things.

There are several other state related factors, but none more important than the tort system. In a “no-fault” state, each driver carries his own insurance policy which will cover him, his property, and his passengers in an accident. In no-fault states, jury awards tend to be very small by comparison.

On the other hand, fault-based states adopt an “every man for himself” mentality which makes lawsuits and high financial awards pretty common. As it turns out, fault-based states tend to pay more.

The one advantage you might have living in a fault-based state is that safe driving tends to be more rewarding. In a no-fault state litigation is kept at a minimum because parties in an accident tend to settle out of court. In this kind of system, whether you like or not, every auto insurance claim becomes a blemish on your record.

But in a fault-based state each accident is investigated and fault assigned. The longer you can drive without an accident being blamed on you, the more trustworthy you become in the eyes of the insurance carrier.

To find teen auto insurance quotes  in your states, enter your ZIP code in the search tool above- you will get your cheap teen auto insurance quote.