Teen car insurance- drunk driving

What is an issue for young drivers, which prevents them from getting cheap teen auto insurance?

Young drivers and teens are complaining about high teen auto insurance quotes or the teen car insurance rates. However, added to all the other issues is the issue of drinking and driving? Not only is drinking a prevalent problem among youth, but many of those who drink also drive after drinking.

A projected increase in the population of American youth may result in an increase in underage drinking and impaired driving. The U.S. Census Bureau estimates that in the year 2000, the population of 15- to 20-year-olds will be 23.9 million, an increase of almost 2 million from 1996. The youth population is expected to increase by almost 14 percent by the year 2005 NHTSA

Fifteen percent of students in grades 9–12 (ages 15–18) surveyed in 1995 reported driving after drinking during the month before being surveyed, and more than one-third reported riding with a driver who had been drinking (Centers for Disease Control and Prevention 1996).

Why are young drivers at a greater risk of getting involved in fatal car accidents which is responsible for high teen auto insurance quotes?

The main reasons for young drivers getting invloved in auto accidents are :
1) Young drivers or teens or college students lack in experience in driving.
2) They are less experienced drivers and cannot cope with situations which require quick judgment and decision making.
3) The lack of judgment and reaction becomes more pronounced when the young drivers are drunk.
4) Young drivers are not responsible and hence they would indulge in drunk driving more than adults.
5) When young drivers do drink and drive, they are more vulnerable than adults to the effects of alcohol on driving ability. Did you know that with each 0.02 increase in BAC your risk of being involved in a fatal crash is nearly doubled.
6) For drivers ages 16–20, the risk of a fatal crash increases even more with each 0.02 percent rise in BAC (Mayhew et al. 1986; Zador 1991; NIAAA 1996a). The estimated crash risk for male drivers ages 16–20 is at least three times higher than the risk for male drivers age 25 and older at all BAC levels (Zador 1991). As per the latest survey from Allstate young girls are also catching up on this trend.

How to resolve the issue of getting cheap teen auto insurance or cheap car insurance for young drivers

We have already discussed the steps to get cheap teen auto insurance in a number of our blog post. Today we will specifically discuss this in relation to getting cheap teen auto insurance for teenage or young drivers who are prone to drunk driving.
First, compare teen car insurance quotes or teen auto insurance quotes. You do not have to pay to compare teen car insurance and it takes only minutes.

Get an ignition steering lock installed on the wheel so that the young driver does not indulge in drunk driving.

Nissan has a breath testing machine installed in certain cars, which will lock the car if the driver is drunk- you can get the same for the young driver.

Recently a system has been introduced where the car prevents drunk driving- I am sure you would appreciate this, rather than having your teen injured.

The best is to educate your teen in safe driving and staying away from drunk driving so that they do not indulge in drunk driving. A responsible young driver is the safest way to get cheap teen car insurance and have teen safety.

Summary : Understand why teen auto insurance is high or why young drivers are not getting cheap car insurane, resolve the issue which prevents them from getting cheap car insurance and get your cheap teen auto insurance quote and teen safety both.

Johnny Carson : Is your use of credit card affecting your teen auto insurance quotes?

How can you get cheap car insurance by making changes to your credit card use?

Credit card use and relation to teen auto insurance quotes

Students, young drivers or college students are using credit cards more and more to finance educational expense. This is not surprising in the challenging market for jobs and the expense of college education. Managing credit cards and finance is a real challenge. Though most college students or young drivers do not realize it finance and credit ratings affect not only one area but a lot of areas of your life. Establishing a good credit rating is very important for getting teen auto insurance quotes or cheap car insurance since insurance companies always check the credit ratings and base their car insurance quotes on their credit.

As per a study for 2009, on average, students have 4.6 credit cards, and half of college students had four or more cards. The average (mean) balance grew to $3,173, higher than in any of the previous studies. And, only 17 percent said they regularly paid off all cards each month, and another 1 percent had parents, a spouse, or other family members paying the bill. The remaining 82 percent carried balances and thus incurred finance charges each month.

How good credit can help you in getting cheap teen auto insurance quotes or cheap car insurance and other areas.

Good credit can help you in getting cheap teen auto insurance quotes , cheap car insurance rates and even cheap home insurance rates. As per the insurers, if a person can handle their financials well than they are responsible persons. A responsible person will maintain their vehicle and also not be an aggressive driver. Logically, the driver is the main person who is responsible for car accidents or car insurance claims, and thus the probability of loss would be very low for a responsible person. Insurance rates are based on probability and since the probability of loss is less here, you automatically qualify for cheap car insurance or cheap teen auto insurance quotes.

Your credit rating will help you getting a job, renting an apartment and even securing loans if you want to start a new business.

How to maintain good credit for cheap teen auto insurance quotes

Once you are able to maintain a good credit rating than getting cheap teen auto insurance quotes or cheap car insurance is easy or for that matter any insurances.

The best ways to maintain good credit is to pay your outstanding amounts in time or keep the balance outstanding as low as possible.

Secondly set a budget and stick to the budget.

Third keep in touch with creditors so that you do not miss paying a bill if the same is misplaced in the post since any non-payment is going to hurt you.

Last but not least, monitor your credit report and keep on checking your credit rating once a year.

A positive credit is going to earn you cheap teen auto insurance quote and cheap car insurance.

Howie: Thanks for your information on speeding tickets. I am glad that I can still get cheap car insurance, if my offence is not continous.

Speeding tickets and cheap car insurance

Response : Howie, we were discussing the cost of the speeding ticket. Today, let me discuss something which has recently come to light and that is the fact that your speeding ticket can cost you your job also. In case you are driving for your employer and your job involves driving than you will have to be careful how carefully you drive. Your driving history is not only important for the insurance company and for you to get cheap car insurance rates, it is also important for you to maintain your job.

Insurance companies are not only deciding on your insurance but are also deciding indirectly if you can be employed. When the employer goes to insurer you, the insurance company may deny your insurance or charge a high premium if your driving record is bad and thus your employer may decide not to give you your job. This is something the young drivers have to keep in mind.

Insurance companies are considering your driving record in great details and this is becoming a deciding factor of rating. The more driving activity a person has the more likelihood of an accident or getting involved in an offence like speeding. Secondly, your driving history is important whether you are driving your own car, your company’s car or your friend’s car.

The employers are also becoming more careful if you are driving the company’s car and have a bad driving record, since the liability which the company can get might be higher than the coverage that they have taken on the policy.

Young drivers, teens or college student should always remember that cheap auto insurance is not the only thing for what you need to keep a good driving record but it is going to affect your job also. If you want to have a cheap car insurance premium and if you want to make sure that you have a job in the future it would be important for you to have a good driving record. Good driving history would give you cheap car insurance – guaranteed.

Eric Louviere : I am a young driver under 25 and as all teenagers I am looking for cheap car insurance online for under 25 years. Please let me know what can be done. No technical details on auto insurance discounts or insurance jargoon.

Cheap car insurance quotes online:

Response : Eric, this is a tough one but I will not disappoint you. You need to realise that students or college students or young drivers like you are paying the penalty of high auto insurance rates because of your age, you are under 25, inexperieince driver. The insurance companies consider you immature, irresponsible and a reckless driver. Yes, you are considered an aggressive driver and so the car insurance rates are high. There is no need to be disappointed cheap car insurance quotes can be obtained by college students. No technical stuff, but only about relationships.

Cheap car insurance for students or young drivers under 25
There are a few things you should consider when you are looking for cheap car insurance quotes for students. Your age is a factor that could cost you dearly for car insurance but you can change the nature of the game in your favor and get cheap car insurance quotes :
One factor which can help is staying with your parents or being on their policy which will give you a lower quote of 50%. You have to bear in mind, though, that the car must be registered in their name and you must be living with them if you want to take advantage of this option. If you want to own your car, then be the big boy or girl and also own the higher premiums. Sorry, you can’t have both with this option. However, you can still make huge savings by taking a quote at this blog right now.

The second thing you can do is to change your status to married. The insurance companies charge a high premium for this age group since they think of the youth as being reckless, immature and irresponsible. If you are married than that would be sending a message that you are responsible, mature and would not be reckless. Thus you would qualify for cheap car insurance quotes. This is for real though it would sound very amusing to you.
Of course, the other obvious of shopping for online cheap teen auto insurance rates or college student best car insurance coverage’s, and teenautoinsquote.com will not disappoint you.

Thanks.

College student car insurance discounts for getting cheap car insurance quotes.

Eben Pagan : What factors affect auto insurance rates for college students? How can I obtain a good grade discount for car insurance?

Respones : There are many factors that can affect your insurance premiums. Your driving expereince, your age, the geographical area you live in, the car you drive and the limits of liability and the coverage you have opted for all affect auto insurance or car insruance. Age is one of the factors used in calculating your insurance rates. Students and young drivers in general pay a higher insurance premium. This is because they are not experienced and lack maturity. If you are a student or insuring a student, you know finding cheap car insurance can become a difficult task. Fortunately finding cheap student car insurance with teenautoinsquote.com is easy and can save you time and money. Many insurers don’t offer specific student or young driver car insurance, but we have teamed up with some carriers that take into consideration your age and current occupation to give better options for better premiums. Besides with the new technological devices, you need to pay insurance only for the miles you drive the car.

For getting good grades car insurance discounts here are some of the strategies of the personal lines automoblie insurers. Here are some of those requirements with some of our carriers:

1.Under age 25 is a full-time student maintaining a “B” average, or otherwise qualifies as a “good student”.

2.A young driver qualifying as a “Good Student” is a full time student in high school, college/university or a certificate degree program.

3.In schools designating grades by letter, had a grade average of B or its equivalent

4.In schools where numbers are used to designate grades, had an average of at least 3 points for all combined subjects
5.Is ranked scholastically among the upper 20% of his/her class
6.In schools that maintain a Dean’s list, Honor Roll or comparable listing for scholastic achievement, was included on such a list
We offer quotes from multiple companies with the option to purchase the policy immediately online, in all states. Regardless of where you live, just type in your zip code and continue answering the questions about your cars and drivers. You can request a quote and buy your policy in about 15 minutes! The quote is for free, and there is no obligation for buying a policy also.

Please also read my post on auto insurance discounts and see if you qualify for any more discounts.

Haooy 2010 to you and your friends.
Thanks.
Kamlesh