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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Eric (Neveda): I am a teenager and as per the tip to get cheap teen auto insurance quote I took up graduadted licensing lessons and got cheap car insurance rates, but there are restrictions for night driving, why is this so?

Cheap teen auto insurance and restrictions

Response: Eric, I can understand your frustration but am happy that you got a cheap auto insurance quote. Now let me give you some details which I found out from NHTSA. According to the NHTSA, Saturday and Sunday nights between midnight and 3 a.m. are the deadliest three hours on the road, with a total of 2,451 fatal crashes in 2004, 76 percent of which involved alcohol. Even though all these new preventive measures, accidents still are happening.

So you now know what time of day to avoid, but do you know which time of year? As per the report August topped the charts with the most fatal crashes in one month and December had the most overall automobile accidents, totaling 601,000- something to keep in mind during your vacation and holiday travels!

I know that none of us like restrictions, but no rules and regulations are baseless or without any reason. From the above information you will now understand why the night restriction is kept. It is for your own safety. Secondly, this is why the traffic authorities are very vigilant in the vaccation period.

Secondly the car Your car can affect your car accident severity. The vehicle you drive also can play a large role in your car accident. Passenger cars and light trucks accounted for nearly 95 percent of the 11 million vehicles involved in motor vehicle crashes in 2004. Large trucks only accounted for 15 percent of the vehicle accidents. In addition, we saw an increase in vehicles rolling over during an accident. Of the vehicles that rolled over, utility vehicles presented the highest rate at 36.2 percent in fatal crashes, 9.6 percent in injury crashes and 2.4 in property-damage-only-crashes. Regardless of the crash severity, the majority of these accidents occurred during daylight, in normal weather conditions, while the vehicle was going straight.

Please follow all the traffic regulations and do not worry about the restrictions, these are the factors that save you from accidents, auto insurance claims and help you get cheap car insurance.

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Shawn :Why auto insurance rates are based on driver?

Response : Many people feel that it is irrational on the part of the insurance companies to base the rates of auto insurances on the drivers. However the observations and statistics given by the National Highway Traffic Safety Administration have studies USAA (USA – automobile accidents) and their findings reveals that the behavior of the driver that leads to auto/car accidents:
•Speeding: Speeding crashes cost Americas $40.4 billion each year.
• Drunk driving: The persons who died in alcohol-impaired crashes, down 3.7 percent from 13,491 in 2006. In 2007 alcohol-impaired crash fatalities accounted for 32 percent of all crash deaths.
•Red Lightning: The Insurance Institute for Highway Safety says that more than 900 people a year die and nearly 2,000 are injured as a result of vehicles running red lights. About half of those deaths are pedestrians and occupants of other vehicles who are hit by red light runners.
• Fatigue: NHTSA statistics show that at least 100,000 crashes and 1,500 deaths each year are the result of drivers falling asleep at the wheel. New Jersey is the only state with such a law on the books.
• Multi-tasking: Cell-phone use and multitasking has caused. Some form of driver inattention was involved in almost 80 percent of crashes and 65 percent of near-crashes within three seconds of the event.
Thus a person’s own habits and his behavior are responsible for himself and others when he is on the road. Drive safe – save yourself and others. Yourself – by averting accidents and keeping your auto insurance premium low,getting cheap auto insurance.