Nathan Anderson : What is the relationship between speeding tickets and auto insurance quotes? I feel that teenagers are become the victim of speeding tickets and high teen auto insurance quotes? Let me know something about the speed laws.

Speeding Tickets and auto insurance : Teen auto insurance quotes.

Response : Teenagers or young drivers normally very prone to speeding since they are young and do not have much responsiblity. This is also one of the reasons why the teen auto insurance quotes are higher than any other drivers, although they might not have a bad driving record.

Auto insurance rates are based on the data and statistical facts that are gathered by the insurance industry through its various sources and it has been found that teenagers each year over 5,000 teens ages 16 to 20 Die due to Fatal injuries caused Car accidents. About 400,000 drivers age 16 to 20 will be seriously injured. Of Male drivers killed between 15 and 20 years of age 38% were speeding. Now whenever there are high fatalities in an auto accidents the cost of the auot insurance claim is higher. One of the main factor on which the insurance company base their rate is the cost claims and expenses to them. Now, if a person is speeding than it is more likely that the person would speed again and the chances of accident increases- which is considered high risk or high hazzard as per the insurance termilogy. Now, I am sure you must have understood the relationship between speeding tickets and auto insurance quotes, especially teen auto insurance.

Basically, I am a pro at insurance and not traffic laws but here is some basic information. Speed laws in the US state that drivers should travel at a rate of speed which is consistent with present driving conditions. The basic speed law is not meant to replace posted speed limits, but merely to reflect the fact that safe rates of speed change depending on driving conditions. Basic speed law requests that motorists use good common sense under present driving conditions, in addition to the posted speed limits.

If you are speeding above a certain limit than you would certainly be charged for speeding.

Thanks.
Kamlesh

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

Jennifer Gaga : My car was towed to a auto repair shop due to an accident. The insurance company assessed the damage and totaled the vehicle. I have only liability coverage on the vehicle, will I be able to get the damage for the car.Also, I had a trailer hitch installed on the vehicle which is not part of the original vehicle makeup. I own the hitch assembly which is attached by 8 bolts. The shop adjuster refused to allow me to remove the assembly . My question is…can or are they allowed to deny me acquiring what I own from the vehicle? They want to charge me a tear down fee to remove it. It’s sitting on their lot. They said I can’t do “work” on their property. What should I do?

Comprehensive auto insurance is a requirement for Teen auto insurances

Response : Jennifer there are two issues to your problem one is whether you would get the auto damage coverage for your car presently when you do not have a comprehnsive auto insurance coverage. In cases like this it would depend upon who is at fault and if the opposite driver is at fault you would be paid by his insurance company for the auto insurance damage since it would fall in the dirveres third party property damage coverage. Please ring up your insurance company and ask them details about who has been at fault. If you are at fault 50% than you would be reimbursed 50% of your cost.

It is most advisable to have a comprehensive auto insurance coverage for teens or young drivers since they are more prone to accidents as per the statastics also. Secondly, if it is a new car it is better to pay a slightly higher premium and get your full coverage or comprhensive auto insurance coverage also. Once you compare auto insurance quotes online you will get cheap car insurance quotes quite easily.

Now about the shop repairer not allowing you to remove your own stuff, it would be best to ask the insurance company for support and clarify from them in writing that they give permission to you to remove your stuff. This is best since the insurance company might have already sold the salvage to the shop reparier and so he would not allow you to touch the property or work on his premises since he is responsbile. If you have coverage for the same under your home policy you can ask for a claim under your home policy.

Let me now if you have any further questions on teen auto insurance or cheap car insurance quotes.
Thanks.
Kamlesh

Justin Laverile : What kind of car should I look into buying right now? I am still not 18 years old and this is my first time looking to buy a car. Like most guys my age I’m looking for a cool looking car (sports-car-ish), but at the same time I want to avoid the expensive auto insurance that comes with a car like a corvette.

What car to buy for getting cheap inexpensive auto insurance :

Response : Justin, you are thinking in the right direction of wanting to get cheap auto inusrance or inexpensive auto insurance, since the car is one of the main factor on which your auto insurance rating is going to depend upon. It is obviously no secret that teen auto insurance is expensive and hence every effort should be made to get cheap auto insurance rates.

Let me also tell you that the insurance companies jointly are conducted research and gathering data on the safe cars and each year a list of safe cars are declared by the NHSTA and you can get the list from my blog post ” Safe cars of 2009

The insurance companies would provide cheap car insurance quotes for these cars since they are sure that these cars are safe. Please note that the general insurance companies have a basic rate for these cars and on this the loading for the driving history, the geographical area of operation and other loadings are applied. When you choose a car which is considered safe you are cutting down your basic auto insurance rate. This is huge.

The other reason why you should choose the most appropriate car is for your own safety. Your own safety and security is more important than even inexpensive auto insurance. The safe cars give you your safety and security.

Yes, getting a sports car is the dream of any young person at the magic age between 16-25 and this can be easily realized by you if first you chose a safe car which has inexpensive insurance and so you can build up your good driving history. Once you have a good driving history you can go for the sports car and still pay almost the same auto insurance rate since you will get a better rate now due to your established good driving history.

Hope this has been very helpful. Looking forward for your feedback and keeping this moving.

Happy Motoring.
Thanks.
kamlesh

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Jenffier Garnier : I learnt a lot on how to get cheap car insurance for young drivers and a cheap auto insurance quote for my car . Thanks I saved $477/- per year. I have some querries for auto insurance claims. What if I meet with an accident when I am a passenger in a car? Will I qualify for cheap car insurance if involved in an accident as a passenger?

Teen auto insurance and car insurance claims
Response :Jennifer, thanks for sharing with me that you got cheap car insurance for young drivers from here. Your satisfaction is most rewarding for me. When you are involved in any auto insurance claims situation if you are aware of how to go about things, it saves a lot of time and grief on both sides – yours as well as the insurance company.

There will be two situtations where you are the passanger of a car involved in an auto accident. One is when you are riding in the car out of choice in your friends vehicle or family vehicle. As a passenger, you can collect for damages from one of two ways: 1) under your driver’s medical payments coverage or 2) filing a claim against the at-fault driver’s liability coverage. You must collect like the driver, all important information—names, addresses, license numbers, policy numbers, etc. How much you will be paid would depend upon the extent of your injury, how much coverage your fried or family has, how many people were involved in the accident, and on how well insured the other drivers are. This is because under liablity there is a per person and per accident limit.

Taking another example, if you are riding a cab as a paid passenger and are involved in an auto accident, than besides the above ways of claiming you have another option. You can file a legal suit against the cab driver or the cab driver’s company claiming for your injury and any other damages resulting from the injury.

Will I qualify for cheap car insurance if involved in an accident as a passenger?

This will not blemish your driving record since you were not driving and also not affect youa auto insurance rates since it was not involving your vehicle. You will still get the cheap car insurance rate on your auto insurance policy which you can continue to enjoy.

Thanks.
Happy Valentie Day.
Kamlesh