Cheap car insurance

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 auto insurance quote

Teen auto insurance quotes

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 

Cheap auto insurance

Cheap auto insurance

david stern : Do my credits affect my auto insurance rate for 2012?

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.

Cheap car insurance

Young driver car insurance

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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.

 

Young driver car insurance

Teen auto insurance quote

7 Ways to keep your teen driver crash-free.

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.

 

Teen auto insurance quote