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.

Brocklyn Decker : How to get cheap car insurance quotes for teen drivers those under the magic age of 25? This is because the teen auto insurance rates suck and are kept very high by the insurance companies.

Cheap car insurance quotes and tenn auto insurance :

Response : Yes, Brocklyn, I agree that the teen auto insurance rates are high and they suck. The insurance companies have kept these rates very high but you will suprised to know, that the insurance companies are not fools and base thier considerations on scientific data and research. Studies show that there are major differences in the frontal cortex of young driver’s brains when compared to more mature drivers. This is important because the frontal cortex is said to process reasoning and decision making. Until the brain matures, younger people are said to take more risks because the brain processes information differently.

Secondly, studies show that driver’s talking on cell phones are actually more likely to have an accident than a driver under the influence of alcohol. Studies also show that young drivers are more likely to drive while on the phone, put the two together and the odds of an accident double.

While younger females are more prone to accidents under 25, males appear to be even more at risk. One statistic points out that males under the age of 23 are four times more likely to be involved in a fatal accident than the average driver.
Under 25 Discounts

One way to possibly lower your car insurance rates, no matter what your age, is to take a defensive driving course. Some car insurance companies will discount your rates after the class, although keep in mind that the class will cost money too.

Another way to lower rates is to actually do good in school. If you’re enrolled full time in school and maintain at least a 3.0 grade point average, you may be eligible for a good student discount.

If you’re already done with school, you may also be able to get a discount for your diploma as some companies offer discounts for bachelor’s or graduate degrees.

Take graduated driving lessons so that your driving skills improve and you have a clean driving record which will help you to stay closer to getting cheaper auto insurance quotes.

You need to abstain from drunk driving, distracted driving and speeding. Yes, it is easy said than done but am sure with a little bit of control this would not be difficult for you.

Last but not least compare auto insurance quotes compare auto insurance quotes online. Check out the quote here at teenautoinsquote and am sure you will not be dissapointed.
All the above tips will help you get cheap car insurance quotes and you would be on the top inspite of the odds being against you.
Happy Motoring.
Kamlesh

Howie Schultz : How much would a speeding ticket really cost in terms of car insurance and other costs?

Speeding tickets- can cost you your cheap car insurance.

Response : Howie, yes speeding tickets can prove very costly in terms of other cost and can also deprive you off cheap car insurance rates, since insurance is dependent on your driving history. Well do not be dispappointed and dejected since for every thing there are solutions and I will show you the solution.

When a driver is pulled over by a police officer and issued a citation, the first thing they look at is how much the ticket is going to cost them. They flip it over and read the number and think that is all it will cost. However, receiving a ticket carries several hidden costs. :
1) The first hidden cost is time. Often people are caught for speeding and say they were running late, they were trying to make up time.
2) They have to pay the fine, appear in court.
3) They need to find out details of a safe drivers course, pay for it and take it.
4) The biggest cost though is usually felt in insurance rates. A ticket’s cost in insurance premiums is often many times more than the fine associated with the violation. Some violations can even result in a company dropping a driver’s coverage or refusing to renew coverage. Your auto insurance premium will be higher and the driving violation will on your record for a period of 3-5 years depending upon the state you are living in. Let me tell you a truth, which is that the auto insurance company will charge you a higher premium not for one year, but for three years. You loose your cheap auto insurance rates.

Yes, the solution is there and it is to compare your auto insurance quotes online, to improve your driving record since just one ticket is not going to crucify you. It would be worth-while to seek an appeal for the speeding ticket, since if it is the first offence the court will also let you off. Another very important thing for young drivers, fresh drivers or college students is too take up the graduated driving lessons which will give you discounts and so your increase ratings would not affect you – you would still be on the scale of a cheap car insurance quote which you were enkoying previously.

I am sure that you have done the research and compared the policies and you know that you have found the cheapest auto insurance rates. The real key, however, is keeping that cheap auto insurance rate. The best way to keep auto insurance rates low is to keep a clean driving record. If keeping a clean driving record means an improvement in your driving record it may be time to compare auto insurance rates with other carriers and discounts for good driving records can vary from company to company.However, the best thing to do is to be careful, not to speed as far as possible.
Thanks.
Kamlesh

Kristen Bell: My son has received his driving license and I am really worried about his getting involved in an accident. I have both concerns getting cheap auto insurances and also the safety of my teen. Please let me know what to do.

Cheap auto insurance is less important than teen safety:
Response : Kristen, I agree with you that cheap auto insurance can esaiy be obtained, but teen safety or the young drivers safety is more important than getting a cheap auto insurance quote. It is true that receiving a driver’s license is one of the most exciting rites of passage in a teen’s life. However, it can also be an extremely nerve-racking experience for both the new driver and his or her parents.

According to the National Highway Traffic Safety Administration (NHTSA), motor vehicle collisions are the leading cause of death for 15-to-20-year-olds.In order to ensure the teen safety here are some tips which are recommonded even by the NHTSA.

Alwyas follow the speed limit. Driving too fast is certainly dangerous. The other thing is sometimes driving too slow can also be dangerous. Not only will driving the speed limit help you stay in control of your vehicle, it can also help you save fuel. You need to teach the teen the right limits and skills of maintaining speed, which is very important. It is indeed good that the auto makers do recall vehicles in case of any problems with the vehicles. The recent recall by Toyatta is a good example of maintaining the standards by the auto makers.

Avoid distractions. With cell phones, iPods and GPS, teens might seem like pros at multitasking, but driving is not the time for distractions. Taking your eyes off the road for just one second to send a text or change songs can make a huge difference in your response time for avoiding a collision.With the recent laws trying to crub distractions by most of the states are very attractive.

Pay attention to your surroundings.It is very important to pay attention to the road directly in front of you, but make sure to check your rearview and side mirrors regularly. If you’re on a residential street, watch for children playing in the road and other pedestrians.

Most importantly,Speak Up! Your teen should be able to speak up if he is in a vehicle with a friend who is driving too fast, constantly switching lanes, tailgating or not paying attention to the road, tell him or herof discomfortable. They may be trying to impress you, and a simple request will encourage them to stop driving dangerously. If they refuse, ask them to drop you off at a safe location so that you can call someone to pick you up.

Buckle Up. According to NHTSA, “Increasing seat belt use is the simplest and least expensive way to reduce deaths and serious injuries on our roads.” In fact, NHTSA found that more than 75,000 lives were saved between 2003 and 2007 by wearing a seat belt. Taking two seconds to buckle up is the simplest action you can take to stay safer on the road. Plus, it’s the law in many states.

There are many resources to ensure your teens safety, but the most important are the parents. Parents would be able to give the right guidance and driving tips to their teens, since no matter how much they dispute and argue, ultimatley the teens know the truth.

Amish Shah: Will you please tell me how cheap car insurance rates are there in different states of USA for teens or young drivers or college students ?

Finding Cheap Car Insurance
Resonse : Amish finding cheap car insurance has become very easier now with the advent of internet and online car insurance offers. If is no longer like finding a needle in a haystack. You can bid goodbye to frustratuons that can lead to fits of uncontrollable swearing and temper tantrums. However, unlike the endless quest for that needle, finding the least expensive car insurance has a point. The more coverage you can get at the lowest price means more money in your wallet and a lot less stress about paying your other bills.

Who are the competitors for cheap car insurance? Which companies offer the cheapest insurance? That really depends on what you’re looking for. The amount of coverage you want will determine the price, along with your age, driving record and where you live.

Take for example, Geico. Everyone knows the little green gecko ads. They are extremely effective. But how much would they charge a 21-year-old male living in the suburbs outside of Boston, MA? Let’s say that 21-year-old is looking only for liability coverage, forgoing comprehensive, collision and medical coverage for a 1995 Chevy Cavalier. Let’s assume he has a clean driving record with no accidents or speeding tickets reported. If he selects all the minimum liability amounts for bodily injury, property damage and personal injury, his premium will be $83.30 a month, or $999.60 per year. That same 21-year-old living in Carmel-By-The-Sea in California would pay $56.32 a month or $675.84 a year for insurance, under the same conditions, searching for the same amount of coverage.
It would be smart for you to compare the auto insurance rates online where you As any smart shopper would find out that this list is constantly changing. It would pay to check out Geico’s competition. A quick visit to Amica Mutual’s web site, using the same criteria with the same 21-year-old male, shows he would be paying an annual rate of $799 in suburban Massachusetts and $695.54 in sunny California. So the 21-year-old in Massachusetts would be smart to choose Amica Mutual for his car insurance, while the 21-year-old in California would more than likely choose Geico.

Why the discrepancy? Different states demand different minimums for liability coverage. Massachusetts sets minimum bodily injury liability coverage at $20,000 with a maximum payout of $40,000 per accident, along with a $5,000 limit for property damage. There is also a mandatory minimum for any uninsured drivers who might get behind the wheel of your car, also set at $20,000 with a max payout of $40,000. In California, the minimums are lower, with bodily injury set at $15,000 with a max payout of $30,000 and a minimum $5,000 property damage liability coverage. California does not require drivers to carry coverage for any uninsured or casual drivers who might get behind the wheel.

Each insurance company would base their auto insurance rates on their own experience and this detail is broken down to the area and even the specific vehicle-wise claims experience of the insurance company, hence any young driver or teen should compare the auto insurance rates online to get cheap car insurance.

One good indicator of where to start looking for cost-effective car insurance is consumer surveys. Survey giant J.D. Power & Associates rank customer satisfaction with insurance companies annually. In their latest ranking, Amica Mutual topped the list, with State Farm and Shelter taking the second and third spots. Some other big names, like Geico and Progressive ranked further down the list, coming in at nine and 14, respectively.

One thing cannot be stressed enough: where you live plays a large role in determining how much you pay. Keep in mind, our 21-year-old in Massachusetts was living within 25 miles of a major urban centre, with a higher population density than picturesque Carmel-By-The-Sea. In fact, Massachusetts is one of the more expensive states where one can obtain insurance. In a nationwide survey done in 2005 (the latest figures available), five Northeastern states (New Jersey, New York, Massachusetts, Rhode Island and Delaware) ranked in the top 10 most expensive states for car insurance. Connecticut comes in at number 11. Drivers in New Jersey drivers pay an average of $1336.20 in premiums a year. Only Maine, with its sparse population, ranked in the top ten for lowest car insurance rates. The Midwest makes up the rest of the list with Iowa being ranked the cheapest place to obtain car insurance. Drivers in Iowa drive easy knowing they’re paying an average of $664.20 in premiums every year.

When you do start looking for insurance, be sure to prepare. Remember that no one company offers across-the-board cheap rates, and be sure to compare quotes. Take advantage of any discounts you might be eligible for, including multiple car options and group rates. The best thing to do is find a rate that you can afford that covers everything you want. Don’t let a cheap quote that cuts corners entice you, because in the end, you get what you pay for.

As per the latest news of 27th January 2009, Toyota has recalled 8 models in the USA and Canada. Do you think the auto insurers are going to give you cheap auto insurance rates for cars which have a defect in their accreetion pad?