Denise Wakeman : How does graduated licensing help in getting cheap car insurance for young drivers? What is the penalty and number of demerit points awarded if the teenagers or teen or young drivers indulge into night dirving?

Graduated licensing helps in getting cheap car insurance for young drivers or cheap teen auto insurance quotes.

Response : The laws that have been enacted to prevent the auto accidents have really proved to be for the benefit of the teenager, especially the dirvers between the age of 15-17 and have gone a long way in reducing and getting them cheap car insurance over a period of time.

Graduated licenising has been a leading reason for having the teenager really learn the motoring skills and have drastically brought down the rates of accidents. Since over these years the number of injuries and fatalities have decreased since this law was implemented the general auto insurance have faced less expenses, which have given cheap teen auto insurance rates.

It has been observed that where the laws were rated good had 30 percent lower fatal crash rates among 15-17 year-olds have reduced. Where the graduated Laws were rated fair yielded fatal crash rates 11 percent lower.

Secondly it was also observed that where the longer the permit age was delayed, or the longer the licensing age was delayed, the lower the estimated fatal crash rates among 15-17 year-olds.

Thirdly, the stronger nighttime restrictions were associated with larger reductions, and reductions were larger for laws limiting teenage passengers to zero or one than laws allowing two or more teenage passengers or laws without passenger restrictions.

After the effects of any related delay in licensure were accounted for, an increase in the minimum learner’s permit holding period showed no effect on fatal crash rates. An increase in required practice driving hours did not appear to have an independent effect on fatal crash rates.

It has been concluded that graduated licensing laws that include strong nighttime and passenger restrictions and laws that delay the learner’s permit age and licensing age are highly effective strategies for reducing teenage fatal crashes. States that adopt such laws can expect to achieve substantial reductions in crash deaths.

The number of demerits points for night driving are about 1 for restrictions over a period of 1 year.

It would be best to talk to your teen or young driver and explain them the advantages of the graduated licensing. You might be suprised but they are the one’s who are following most of the regulations and laws in schools and at home, they wl certainly think about their own safety and security and most importantly getting cheap car insurance or cheap teen auto insurance quotes.

Thanks.
Kamlesh

Anna Paguin : Thanks for your information on how to select the right model to get cheap car insurance quote for teen auto insurance, please let me kown which models are considered as safe models by the NHTSA?

Safety cars that get you cheap car insurance for teen auto insurance

Response : Anna, I am happy to note that you liked my article on which are the cars which are unsafe for young drivers or teenagers or for that matter any drivers. These were the cars for which the auto insurance companies would charge higher rates on account of the higher risk and damage factors.

Now let us consider the models which are considered to be safe and which would give you a very cheap auto insurance or cheap teen auto insurance rates. Here are the models of this year that are considered safe by the NHTSA and the Insurance Information institute.

Best Kia Soul
The safety features of this car which are the electronic safety system :comprising of antilock brakes, stability and traction controls, and a tire-pressure monitoring system. The Soul proves itself as a family vehicle by offering a Lower Anchors and Tethers for Children (LATCH) system in the backseat. This is designed to keep child seats securely fastened. The Soul is in the small-car category, and tests showed only a 10% to 20% risk in emergency braking and handling, while it received a “good” rating in the IIHS airbag evaluation.This is considered the best vehicle when you have young children driving with you.

Best: Audi A4

The Audi A4 is one of the safest upscale sedans and boasts six airbags. In addition to the standard driver and passenger-side airbags, the A4 has seat-mounted chest side airbags and a Sideguard head-protection airbags with rollover sensors. Earning a perfect score across the board, the Audi A4 claims to create “a cocoon around the occupants for maximum protection. Chances of injury are remarkable lower, however the due dikigence for air-bags being blown is to be taken since this itself can injury you.

Best: Hyundai Genesis

The 2009 Genesis is Hyundai’s first rear-wheel-drive luxury car for the U.S. market. It’s equipped with electronic stability and antilock brakes with brakeforce distribution technology. The airbags received five out of five stars from the NHTSA tests. The Genesis is Hyundai’s first attempt at a luxury vehicle and actually seems to be competing with cars in its class such as the Acura, Lexus and Infiniti. There is finally a genuinely safe Hyundai model offering luxury at an affordable price.

Best: Honda CR-V

The HondaCR-V ranks among the best in occupant protection and crash compatibility in frontal collisions. Honda prides itself in offering a proprietary body design called the Advanced Compatibility Engineering (ACE). ACE helps manage and reduce the forces in a crash and can help disperse the forces transferred to other vehicles in the event of a collision. The car’s side-curtain airbags offer rollover sensors and a faster-inflating system. NHTSA tests indicate it has a 10% to 20% chance of rolling over.Best: BMW X5

This mid-sized SUV offers comfort and safety, and the new model has an optional third-row seat and room for seven, along with more cargo capacity. It has a 17% chance of rollover, resulting in a four-star rollover score from the NHTSA. It has earned four out of five stars for emergency handling and breaking, which is good for its class.

So, you can easily think of buying one of these cars which will serve you the dual purpose of getting a cheap teen auto insurance quote and also safety for your teenager or any rider in the car. Be safe and enjoy.

Thanks.
Kamlesh

Alex Jeffrey : What are the consequences of having no auto insurance fror a young driver? I am a teen driver and do not want to pay expensive auto insurance quotes

Teen auto insurance are necessary, get cheap car insurance :

Response : Alex the very thought of driving a car for a young driver or a teen without teen auto insurance is something you should not dream also. The fact is that it would be most dangerous not to have a car insurance coverage for any one who is driving, let alone teenagers. Once you go through this blog post you will agree with me since you are a smart person.

Car insurance is compulsory in almost every state in the US requires drivers and motorists to have minimum level of car insurance. This is to make sure that these drivers, young driver or motorists have liability coverage in case they find themselves in at-fault accidents. The penalties for not having car insurance differ from state to state, but the general rule is that there would be heavy fines as well as impoundment of one’s vehicle and suspension of one’s driving license.

1) Penalty fines for each state would differ according to each one’s law, and the estimated amount is around $150-$500. In addition to that, these uninsured drivers and motorists would also have to pay for the tow and storage charges when their vehicle has been impounded. Now, in case you are at fault than the consequences would be more serious. You will have to pay for the damages and injuries you cause. You would also have to comply with the financial responsibility laws.

2) There is also the possibility of going to court, as well as the public embarrassment that is associated with the act. Incarceration is another risk for the uninsured driver or motorist, and is allowed in some states. Both kinds of punishment involve the loss of time, money, and reputation. The latter penalty is harsher for the individual as it provides the risk of losing one’s job and the humiliation of having spent time in jail.

3) If you are involved in an accident and are uninusred than you might end up paying from your pocket. If you are a minor than you depending upon the state laws your parents would be held responsible and will have to pay the damage to the third party where you are at fault.

4) Last but not least you might have to get a SR22 insurance form which is a proof of insurance. The teen auto inusrance quote with Sr22 form would be very expensive even much more than what you are getting now and hence it is in your own best interest to get your auto insurance. Also remember that the SR22 insurance is for a period of 10 years in most states once you are required to obtain it.

In reality you would end up paying much much more than you intend to save with the risk and fear of facing much graver xconsequences. Get cheap car insurance quotes instead. The best course of action that you can take is to look on the web at sites like teen auto ins quote and other comparitive sites which will give you multiple quotes and help you get cheap car insurance quotes. Its a matter of just taking action and you can get cheap car insurance or cheap teen auto insurance quotes right now. Enjoy the cheap car insurance premium and the ride in your car at all risk on the general insurance company.

Happy Easter .

Kamlesh

Jackie Kennedy : My son is heading off to college. He is currently on my auto policy, which is very expensive. He will be living 3 hrs away from home with NO car. I would like to drop him off my policy, to save money, but when he comes home on vacation, he will need to drive. What are the best options for this situation and how can I get cheap teen auto insurance?

Response : Jackie teen auto insurance especially for young boys is normally very expensive than the girls of the same age group. You had a good strategy of having your son as a named driver on your auto insurance policy and this most certainly gave you cheap car insurance rates since you were the principal driver of the car and so the rating would follow the principal diver with a surcharge for the named driver.

The best alternates for you to have teen auto insurance quotes when your son is at home and since he is driving is either to declare at the time of the vaccation to your insurance company and get him added as a named driver for the time being, and in any case as per the insurance norms you need to declare any drivers in your household living with you to the insurance company. The would add your son on the policy but you will have to pay higher for the teen auto insurance quotes.

The second alternative is to buy a short term policy naming your teen as the primary driver – this would enable him to build a driving history for himself and also be eligible for higher discounts at a later date since he has established a driving history. You can ask him to pay for his own insurance policy and this way you will establish responsiblity on the driver.

Last but not least compare teen auto insurance quotes online and you will certainly be able to get cheap car insurance.

Thanks.
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