Anna Paguin : Toyota has been having a lot of issues and hence I am wondering if from the insurance point of view do they have any tips for which are the unsafe cars from teen auto insuarnce perspective or young drivers safety.

Teen auto insurance can be cheaper car insurance if teen safety is there.
Response : Anna a very interesting and intellegent question. You will be happy to know that the general auto insurnace companies do take a lot of time and money and also collobrate with social organizations to help reduce the auto accidents. In fact they have the NHTSA which is the National Highway Traffic safety association which they spport to conduct safety of all on the road. This association is continously carrying on test along with the IIHS on the cars.

Seconldy, you need to understand that the insurance industry also base their basic car insurance rates on the type of car and this is decided among various factors most importantly the safety of the vehicle since if it is safe the chances of a person getting seriously injured or having a fatal crash are less and this reduces the cost of the auto insurance claims. The lesser the amount of claim expnese the cheaper car inusrance quotes for this type of vehicle. Secondly the cost of insurance is also dependent on the cost of repairs for a vehicle or the time taken to repair a vehicle. If this is higher than naturally the car insurnace claims expense would be increased and this is than loaded to the client.

Now, you understand the logic let me inform you about some cars which are considered not within the safety standards from the safety prupose and this is as per the NHSTA and the IIHS safety test :

Kia Rio

The 2010 Rio hasn’t been tested by the insurance industry yet. However, the 2009 model received low ratings. In front-end crash and roof strength tests, it received the second-best rating of “acceptable.” In side- and rear-impact tests, it was rated “poor,” the lowest score. However, in rollover tests, the Rio earned a four-star rating, meaning it has only an 11% chance of a rollover in a single-vehicle crash. Worst: Scion tC

The Toyota Scion tC may have earned five stars for driver protection and four stars for front passenger protection, but those sitting in the back might not have as much luck. The backseat airbags are considered “marginal” by the IIHS. The Scion tC comes with antilock disc brakes, a driver knee airbag, front-side airbags, full-length head curtain airbags and claims to have an “impact-absorbing body.” When it comes to emergency handling, the risk of crashing is 20% to 30%.

Dodge Dakota

The Dodge Dakota pickup falls short when it comes to handling. In Consumer Reports tests, the Dakota received a “marginal” rating. The vehicle lacks traction control, a standard feature in most cars. Some extra safety features are optional, such as supplemental side airbags that cover the two rows, side-curtain airbags and antilock brakes.

More information on the cars which are considered safe will be given in my next post so that you can get teen auto insurance quotes which is cheap car insurance quotes and also ensure your teen safety. Being a mother naturally, this is the first priorty for you Anna.

You would be suprised but this is one way to kill achieve both of your goals young drivers or drivers safety and also cheap car insurance safety. Choice the right model and aviod the unsafe once if you can. Get best teen car insurance quotes within minutes here.

Happy Easter.
Kamlesh

Mary Shwartz: I am a girl going on 17 years old and I finally just got my license. Now my dad and I are looking for the cheapest auto insurance plan or the cheap teen auto insurance quotes . Help?

Cheap teen auto insurance quotes

Response : Mary, first let me congratulate you on getting your licence and am sure you will be more thrilled when you have your own car to drive.

Mary, it is good news for you that you are a girl since the teen auto insurance rates for girls are more cheaper and girls can get cheap auto insurance quotes when compared with boys. A 16-25 year male is considreed high risk as far as teen car insurance quotes are concerned.

Secondly, one of the easiest strategy to get cheap car inusnarce plans is to have your name added with your father under his policy. If you do this than it is certain that you will be eligible for cheap auto insurnace quotes from any of the general auto insurance company. You can be an added driver provided you are living with your parents. Some companies do allow you to be added on your parents policy if you are staying within a certain miles from your parents home.

The other way of getting cheap car insurance plans is to go online and get car insurnace quotes online. This way you can compare the auto insurance quotes and get the cheapest car insurance. It is difficult to say excatly which general car insurance company would give the cheapest auto insurnace quotes for teens since insurance rating is dynamic and dependent on the industries experience, the specific insurance companies own experience and also the georgraphical area and car that you buy. Please check out my blogs on the safest car for 2010 which gives you the cheapest car insurnace based on the cars. Also you can check out my post on auto insurance discounts.

Mary, try for a quote here at teen auto insurance quote and you will definetly not be disappointed. Get your cheap auto insurnace quote, today. Speed up to save and drive safe.

Thanks.
Kamlesh

Greg Anatomy : 3 week ago I hit a car from the back on a private property. The police came and said that nothing goes on your record and it just goes to your insurance company. I am worried if anything happens to you or your parents the cop said a claim would be made? What does it mean?

Teen auto insurance and car inusrnace claims

Response : Greg, let me assure you that there would be no legal issues with the police department for you or your parents if your parents or you already have an insurance coverage on your vehicle. If you do not have an insurance coverage and you are living in a state where there is a requirement of a mandatory auto insurance coverage it would be an issue.

Now, assuming that your parents did have an auto insurnace coverage and they had you covered as a driver on the car insurance policy, the incident would be reported to your insurance company. Your insurance company will file this as a claim on your policy. As per the auto insurance this will the a claim of third party property damage, since you have hit a car from behind and damaged it.

The insurance company will take the following steps :
1) Ask the policy owner (your parents) for filling in a claim form, prviding the details of the accident.
2) Decide who was at fault – In most cases if two vehicles are moving than it is usually the vehicle which hits from the back which is at fault. However, the general insurance company would decide this based on each case.
3) The general insurnace company will pay for the damages to the vehicle.
4) Since this is a claim on your vehilce the auto insurance premium would be affected on the renewal and might be higher.

If you have acccident forgivness on your policy the first accident would be forgiven and the insurance will not be hiked.

To ensure that you get a cheaper car insurance policy it it best to kee a good driving record. The second measure for getting cheap car insurnace rates is to compare auto insurance quotes online.

Thanks
Kamlesh

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Rayan Desis : How Can I get the cheapest auto insurance quotes with auto insurance discounts?

Getting cheapest car insurance rates for young drivers

Response : The teen auto insurance accidents are being lesser and less fatal as per the Insurance Information Institute. This has resulted in cheaper auto insurnace rates in 2009. Yes, cheaper auto insurance can be obtained Recently, insurance rates have been dropping nationwide. Just like mortgage rates, insurance rates are cyclical, moving higher or lower every couple of years on average.

Unfortunately, your insurance company likely won’t lower your rate just because they improve, despite the fact that new clients may be offered lower rates. That’s why it may be in your best interest to seek cheapest auto insurance rates online and you are at the right place. There can be a number of auto insurance discounts or credits if you qualify. Not all insurance companies offer every one of the following, but it would be best to get mu;ltiple auto insurance quotes and see if any of them apply.
Good Student Discount – Students who maintain a certain grade point average often qualify for a discount on their insurance.

Student Discount – If you have a child on your policy, who is away at school, be sure to let your insurer know. If the student does not have access to the car, your rate may be lowered.

Multiple Vehicle Discount – Insurance companies assume if you own more than one vehicle, you will not be able to drive either as often; therefore you are less at risk for getting into an accident.

Credit Discount – Many states are using Financial Responsibility or credit scores as a determining factor in your premium. The higher your score, the lower your rate. So make sure you use credit wisely.

Car Alarms – If you have a car alarm, be sure to let your insurance company know about it. Car alarms deter thieves from stealing your car, and thus will reduce your risk.

Package or Multi Policy Discounts – If you have a homeowners policy and an automobile policy with separate companies, you may want to contact both to determine if you can place both policies with the same company.

Airbags – If your car has airbags, be certain to let your insurance company know. If you get into an accident in a car with airbags, the bodily injury you suffer is typically less, which in turn costs insurance companies less for claims.

Renewal or Loyalty Discount – If you remain with the same company for a certain number of years, with a clean driving record, you should be receiving a discount.

Good Driver Discount – If you have a clean driving record for at least three years, you may qualify for this discount.

Non Smoking Discount – If you are a non smoker, your insurance company may offer you a discount.

Defensive Driving Discount – Some companies offer a discount for individuals who take these courses. Many of these courses can be found online.

Low mileage discounts– Typically, senior citizens do not drive as many miles as younger drivers, which may qualify them for a discount.

Increased Deductible – By doing this, you agree to pay a larger portion of the physical damage to your vehicle in the event of a claim. This means the insurance company pays less, which typically lowers your rate.

Lower Limits – While I can’t recommend you lower your coverage, if for any reason you simply cannot afford your current insurance rate, you have the option to lower your limits. This will result in some savings as the the insurance company won’t have to pay as much if you are found at fault for an accident.

Group Member Discounts – Insurance companies often offer discounts to members of certain groups who typically exhibit similar characteristics to one another. Some examples include AARP, AAA, or USAA members.

Credit Unions – While credit unions may differ, some offer their own insurance programs, which will provide discounts simply for being a member.

Military Discount – Many insurance companies offer this discount because service men and women often do not drive their vehicles year round, or typically only drive them within a limited area; on base for example.

Renters Insurance Discount – If you rent an apartment or a home, you may qualify for this discount. It is sometimes referred to as the “renters,” or “responsible citizen” discount.

Proof of Prior – Typically associated with Non Standard auto insurance policies, the “Proof of prior” discount shows an insurance company you have had at least liability insurance for a period of six months or more. This proof of insurance would demonstrate your ability to pay your insurance premiums monthly without a lapse in coverage (missing payments or not having insurance for any period of time), which ensures you will not force the insurer to incur the extra expense of reinstating your policy each month.

Once you know what auto insurance discounts you qualify for and select the right options, cheapest auto insurance quotes for young drivers or teenagers is just a click away.

Thanks.
Happy driving.
Kamlesh.

Robert Patterson (Los Angles): Do you agree that teenagers will get cheap car insurance quote on account of cell-phone bans? Is this ban justified?

Tenn auto insurance rates and bans

Response: As an insurance person, parent and a social well-wisher I totally agree with the cell-phone usage ban. Secondly, it will certainly benefit all the insurance company and the people, since the lives would be saved and also it will prevent accidents. Yes, cheap car insurance quotes would be possible for all, since auto insurance rates are directly related to the auto insurance expenses.

One study indicates that driving while talking on the phone increases the risk by four. Another study shows that driving while distracted, such as adjusting the radio, engaging in a heated discussion with a passenger, or talking on the phone, may cause between 20 and 30 percent of all United States automobile accidents. Other studies, based on driver simulation tests, conclude that people have difficulty multitasking.

Automobile accidents are a major cause of death in the United States and are the single most common cause of death among children and young adults. According to the U.S. National Highway Traffic Safety Administration (NHTSA), over 6 million police-reported automobile accidents occurred in 2001, which constitutes 1 every 5 seconds. On average, a person was injured in one of these crashes every 10 seconds and a person was killed every 12 minutes. The NHTSA estimates that the annual cost of automobile accidents is $230 billion.

Cell phone usage has skyrocketed in the United States during the last 20 years. There were only a few thousand cell phones in 1983.6 According to the Cellular Telecommunications and Internet Association (CTIA), cell phone usage has shown a steady increase as follows.

NHTSA estimates that 73% of the people use cellphones when driving. This would mean that cellphones are a big source of distraction. This distraction, which leads to accidents must be stopped. Almost 70% of the accidents in youth have been attributed due to distraction and it is undoubtable that today cell phones are one of the biggest distraction.

Robert, I am sure now you know why this ban was necessary. I can give you more data and example of teen auto accidents which were caused by use of cellphones, if you want them.

Happy motoring.

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