Tuesday, February 16th, 2010 at
8:07 pm
Jessica Dube : Why are teen drivers or new drivers, student drivers more likely to be in accidents? And how can they better prepare themselves to be safe when driving unsupervised? How can you reduce general auto insurance rates for students?
Students cheap car insurance
Response : It has been observed that the teens who have just learnt to drive are more prone to accidents within the first six months of their driving. This is because they are driving themselves without the support of an instructor or their parents. They lack the experience behind the wheel and are less likely to take a decision behind the wheel.
Over the 10 years period from 1998 to 2007 the young drivers killed in these fatal crashes have accounted for 39 to 43 percent of the total fatalities. In 2007, 3,174 of those killed in young-driver-related crashes (41%) were the young drivers themselves. Thus, the remaining 59 percent of those killed in fatal crashes involving young drivers were people other than the drivers. Approximately two-thirds of the people killed in these crashes are the young drivers themselves or the passengers of the young drivers.
Reducing general auto insurance rates for students and preventing accidents:
You can reduce general auto insurance rates for students, young drivers and get cheap teen auto insurances, if you can stop the accidents. Auto accidents are the main cause for increase in the auto insurance or car insurance overall rates for yourself and your group. You can prevent accidents and stay safe by implementing the following, since they have been found to be the main reason for auto accidents for this age group :
1) Know and follow the rules – it is in your own and your friends best interest to obey the rules. This is not a place or a time for experimenting or experiencing something.
2) Avoid having passengers in your car. They can distract you and you are risking their life also. It would be better to be alone and take the right decision.
3) Avoid distractions of the cell phone or text messaging. In most states now this would go under following the rules
4) Limit yourself from night driving.
5) Learn to drive in all kinds of weather first under supervision. Pick up the tips for driving in difficult weather conditions from your driving instructor, parents or a reliable source of information like the websites, or the NHSTA.
6) Do not drive when you are tired.
7) At all cost avoid drunk driving.
A little bit of precaution on your part would save you from adversities and also pave the road for cheap car insurance or cheap auto insurance. Why throw this away just for a thrill.
Tuesday, January 26th, 2010 at
4:05 pm
Tim Schmidt : Why are auto insurances expensive for young drivers? I am looking for cheap auto insurancesfor teens or youg drivers, please let me know how I can get this?
Cheap auto insurance for young drivers :
Response : . Most young drivers, or teens will soon realize that there is a good chance they will have to pay a high auto insurance premium. This is due to the fact that they are considered a high risk because they are inexperienced and young. Studies have revealed that young males are more careless drivers than young females. Statistical research affects auto premium costs. Fortunately, there are number of measures a young driver can implement in an effort to obtain really cheap auto insurance or cheap teen auto insurance quotes. It is not just a responsible act, but the law mandates that all drivers have auto insurance
I have already touched on this in a nimber of my articles, however, here are some of the ways in which you can obtain cheap auto insurance quotes for young drivers.
•Young drivers can be added to their parents’ auto insurance policy. A teen can pay for the extra costs associated with the new addition to the policy. Parents can play an important role in obtaining cheap auto insurance for thier teens. Parents be are the biggest influnece and the best teachers, who can teach their teens all the does and don’ts driving, volation and teach them the good driving habits which would win them cheap auto insurances.
•Premiums are affected by the type of car driven. Expensive cars will have higher premiums. Young drivers should start out on older used cars.
•Maintaining a low mileage will help lower auto insurance premiums. Parents can implement a limit on how long their teen can drive the car.
•Schools and community organizations offer young driver training programs. Many insurance companies will reduce their rates if a young driver has completed a certified driver training program
•Never purchase the first insurance policy offer. Comparing insurance quotes will help one find a cheaper auto insurance plan. There are web sites that provide online quote comparisons from several different insurance companies.
•Theft is a major factor insurance companies consider when calculating premiums. Installing security devices such as a theft alarm, steering wheel immobilizer, and strong locks, will help reduce insurance premiums.
•If a young driver is still in school, insurance companies will often offer discounts for students who can maintain a grade A average.
There are many reasons why auto insurance is expensive for young drivers. Research shows young drivers are more prone to receive a traffic violation such as a speeding ticket and get into a vehicle accident. The best step a young driver can take is to maintain a clean driving record. Once one has proven that he or she is not a high risk, the premiums will decrease. Most auto insurance companies will reduce the insurance premium of a new or young driver after three years of driving experience that does not contain any traffic violations.
Acquiring cheap auto insurance for young drivers is possible. Researching insurance companies, implementing methods that will help reduce premium costs, and maintaining a clean driving record, will all play a big role in securing cheap auto insurance.
Friday, January 22nd, 2010 at
9:42 pm
Mike Hill : I am back again. I would like to know how long my son can get cheap auto insurance quotes, since he is getting excellent grades. He will soon be 25 years old.
Cheap students auto insurance with good grades discounts.
Response : Mike, I know that when you are sending a student to college requires a good deal of financial planning to make sure the student is able to receive a quality education. One way many parents keep their budget in check while sending a child to college is to take advantage of discounts for car insurance for college students. This would earn them and gives them cheap student auto insurance.
Cheap student auto insurance is usually attainable by making sure to take advantage of all discounts offered and by using an online resource to compare the discounts offered by multiple companies to find the company that provides the best discount car insurance for college students.
College offers an average high school student the chance to start fresh. For students who did not carry the necessary grade point average (GPA) for student car insurance discounts, college offers them a fresh slate to build a great GPA and earn a discount.
College graduate discounts often carry on this discount until age 25, after the student graduates. Many insurance companies will continue to apply the good student discount they earned while in school until they reach an age when their risk level drops.
Mike, here is a tip, you do not have to worry a lot about the good grades discounts , since if you encourage and guide your son and instill good driving habits, than he will definetely get a cheap auto insurance quotes. He will have already built a good driving record of over 8 years since he started driving as a teen. Teen auto insurance are expensive , but now his driving record is the key to cheap auto insurances.
Sunday, November 1st, 2009 at
9:16 pm
Christen Steward: Why is so much importance being given to text-messaging whilst driving? How would this affect the auto insurance rates and getting cheap teen auto insurance?
Response: Christen, ban on text messages would help in getting cheap teen auto insurances since prevention of accidents would lead to better driving history and thus cheap auto insurance quote.
I understand this concern and especially for teenagers who are used to the mordern gadets. Text messaging whilst driving has caused a lot of fatal accidents since text messaging is one of the second highest reason fro auto insurance claims and accidents other than speeding.
Auto insurance rates are affected and it is difficult to get cheap teen auto insurance if one is driving with distractions, text messaging being one is because you are more likely to get involved in an accident. Once you have an accident than you are going to have an auto insurance claim, which will push up your auto insurance rate and will prevent you from getting cheap teen auto insurance quote.
Here are some of the reaosns why the different states have brought in the law banning text messaging whilst driving.
Texting while driving increases the risk of accident 23.2 times over unimpaired driving.
Texting while driving results in longer response times than even drunken driving. While an unimpaired driver can respond quickly to changes in traffic and begin braking within half a second, a legally drunk driver needs four additional feet to begin braking—and a driver who’s texting needs 70.
In the moments before a crash or near crash, drivers typically spend nearly five seconds looking at their mobile devices—enough time at typical highway speeds to cover more area than the length of a football field.
Though 95 percent of drivers surveyed said texting behind the wheel was unacceptable and unsafe, at least 21 percent admit to doing it anyway.
Especially amongst teens, texting results in erratic driving behavior, like lane weaving and speeding up and down, increasing the likelihood of hurting pedestrians and running into other vehicles.
Texting behind the wheel is generational: 37 percent of drivers 18 to 27 admit to texting while driving, compared to 14 percent of 28 to 44 year olds, and 2 percent of 45 to 60 year olds.
An accident can happen in two to three seconds while texting.
Insurance is based on data and auto insurance is based not only on the data but also on the fact that this would affect human life’s and hence risk prevention and control is more important for this than other areas of insurance. Save your life and others.
Saturday, October 10th, 2009 at
9:54 pm
Keira: I am a teen and want to know why the teen auto accident crash involvement is so high? Secondly, how do crashes involving teenagers differ from other drivers?
Response: Immaturity and lack of driving experience are the main reasons. Compared with older drivers, teenagers as a group are more willing to take risks and less likely to use safety belts. They also are more likely than older drivers to underestimate the dangers associated with hazardous situations and less able to cope with such dangers.
Teenagers not only have higher crash rates than other age groups, but they also have crashes that are different. Analyses of fatal crash data indicate that teenage drivers are more likely to be at fault in their crashes. Teenagers’ crashes and violations are more likely to involve speeding than those of older drivers, and teenagers are more likely than drivers of other ages to be in single-vehicle fatal crashes. Plus, teenagers do more of their driving in small and older cars3 and at night, compared with adults. In 2003, 42 percent of teenagers’ fatalities occurred between 9 pm and 6 am, and 54 percent occurred on a Friday, Saturday, or Sunday.
And for 16 year-olds, all these problems are heightened. The combination of inexperience behind the wheel and immaturity produces a pattern of fatal crashes among 16 year-olds that includes the highest percentage of crashes involving speeding, the highest percentage of single-vehicle crashes, and the highest percentage of crashes with driver error. This is why the insurance companies rate this group very high for auto insurance rates. However, taking the tips and driving lessons you can have cheap auto insurance quotes.
Drive safely and carefully to save auto insurances.
