Teen auto insurance

Keira: I am a teen and want to know why the teen auto accident crash involvement is so high? Secondly, how do crashes involving teenagers differ from other drivers?

Response: Immaturity and lack of driving experience are the main reasons. Compared with older drivers, teenagers as a group are more willing to take risks and less likely to use safety belts. They also are more likely than older drivers to underestimate the dangers associated with hazardous situations and less able to cope with such dangers.

Teenagers not only have higher crash rates than other age groups, but they also have crashes that are different. Analyses of fatal crash data indicate that teenage drivers are more likely to be at fault in their crashes. Teenagers’ crashes and violations are more likely to involve speeding than those of older drivers, and teenagers are more likely than drivers of other ages to be in single-vehicle fatal crashes. Plus, teenagers do more of their driving in small and older cars3 and at night, compared with adults. In 2003, 42 percent of teenagers’ fatalities occurred between 9 pm and 6 am, and 54 percent occurred on a Friday, Saturday, or Sunday.

And for 16 year-olds, all these problems are heightened. The combination of inexperience behind the wheel and immaturity produces a pattern of fatal crashes among 16 year-olds that includes the highest percentage of crashes involving speeding, the highest percentage of single-vehicle crashes, and the highest percentage of crashes with driver error. This is why the insurance companies rate this group very high for auto insurance rates. However, taking the tips and driving lessons you can have cheap auto insurance quotes.

Drive safely and carefully to save auto insurances.

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Teen auto insurance

Teen auto insurance

Neil Patrick : What is aggressive driving? Does aggressive driving affect car insurance quote?
Response : Aggressive driving has been defined by National Highway Traffic Safety Administration as “immature” and “selfish” driving behavior may be typical of a small proportion of drivers, but that the vast majority may respond to specific provocation, for example due to frustration with traffic conditions, by driving in an aggressive manner
Aggressive driving is the cause of accidents. For example, as shown subsequently, 30.7 percent of all fatal
crashes from 2003 to 2007 involved a speeding driver, and 11.4 percent involved a driver who reportedly failed to yield the right of way. Either of these behaviors could have been committed purposely—in an aggressive manner—or unintentionally as the result of an error, but when a driver performs both of these behaviors at the same time, it is arguably more likely that the driver did so on purpose rather than accidentally.
It is contend that any unsafe driving behavior, performed deliberately and with ill intention or disregard for safety, can constitute aggressive driving. However, as noted earlier, existing sources of data on motor vehicle crashes do not include information about the motivations or intentions of drivers, therefore, attempts to estimate the prevalence of aggressive driving using motor vehicle crash data must rely on information about the driver’s actions.
It has been found that 68% teenagers, young drivers or students are involved in aggressive driving accidents. The higher the accidents, higher the cost of claims to insurance company and hence the teen auto insurance rates are high.
Please review your teen car insurance quote online to obtain cheap teen auto insurance quote.

Teen auto insurance