Thursday, October 22nd, 2009 at
Teen auto insurance
Jonathan: What can be done to reduce teenagers’ high crash rates? Do driver education programs make teens auto insurance quotes lower and are they safer?
Ensuring teen safety
Response: The most effective policies limit teenagers’ driving exposure — for example, night driving and passenger restrictions for beginning drivers and higher ages for initial licensure. General curfews that apply to all late-night activities for 13-17 year-olds also reduce crashes and crash injuries. Graduated licensing, designed to provide beginning drivers with an opportunity to gain experience behind the wheel under conditions that minimize risk, was originally introduced in New Zealand in 1987. Beginning with Florida in 1996, almost all states have now introduced elements of graduated licensing. Evaluations of graduated licensing systems in New Zealand, Nova Scotia, Florida, Ohio, North Carolina, and Michigan have shown them to reduce crashes substantially.
Yes, teen auto driver education would certainly entiltle the teen for cheap car insurance or low teen auto Formal evaluations of U.S. high school driver education programs indicate little or no effect in reducing crashes per licensed driver. And offering driver education in schools has an unintended negative effect on crash involvement by encouraging early licensure among 16-17 year-olds. The net result is more crashes per capita among teenagers. Connecticut eliminated high school driver education and lowered teenage crash rates by reducing licensure. Other school-based programs, such as those intended to reduce alcohol-impaired driving, have not been shown to be effective, at least in the short term.
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Teen auto insurance
Saturday, October 10th, 2009 at
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
Friday, October 9th, 2009 at
Teen auto insurance
Tom: How do teenage crash rates compare with rates among drivers of other ages? What are the teen auto insurance rates for this age group?
Teen auto crash
Response: Teenage drivers have very high rates of both fatal and nonfatal crashes compared with drivers of other ages. This is true whether the auto insurance rates are based on the total number of teenagers, on the number with licenses, or on miles driven. Both licensure rates and miles driven per license holder are lower among 16-19 year-olds than among drivers age 20 and older (as a group), so when crash involvement is based on the number of licensed drivers instead of total population, the fatality rate of teenage drivers is even more extreme compared with older drivers. It is most extreme when crash involvement is based on miles driven.
Many teenagers die as passengers in motor vehicles. Fifty-nine percent of teenage passenger deaths in 2003 occurred in crashes in which another teenager was driving. Teenagers far exceed all other age groups in terms of per capita deaths as both drivers and passengers, but their passenger fatality rates are much more extreme compared with those of older drivers. Among teenage drivers, 16 year-olds have by far the highest rates of teenage passenger deaths per licensed driver and per mile driven.
A 2001 Highway Loss Data Institute study reported that insurance injury claim frequencies and overall collision (vehicle damage) losses for cars insured for teenagers to drive are more than double those of cars insured for use by adults only. Collision losses for drivers age 21 and younger, as for drivers of other ages, are highest for sports and luxury models and lowest for large station wagons and passenger vans.
The teen auto insurance rates for this age group are normally very high, however you can easily get discounts for them and also comparitive auto insurance quotes, which are cheaper as per the quotes given by many insurer. Find out the cheap auto insurance quote given here.
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Teen auto insurance
Thursday, September 17th, 2009 at
Teen auto insurance
Why is teenage crash involvement so high?
Crash rates for young drivers are high largely because of their immaturity combined with driving inexperience. The immaturity is apparent in young drivers’ risky driving practices such as speeding. At the same time, teenagers’ lack of experience behind the wheel makes it difficult for them to recognize and respond to hazards. They get in trouble trying to handle unusual driving situations, even small emergencies, and these situations turn disastrous more often than when older people drive.
The other main factor is that night driving causes 40% of accidents for teenagers. Secondly the teenagers are somethimes drunk and at night and this might be the cause for accidents are night.
The fact that there is a keen competition and jeering among young drivers and a feeling of showing off. This is also a cause of accidents.
Do not worry about this. You can change these factors positvely in your favor and the blogs gives this information. Teenagers normally high and so it is necessary to compare auto insurances online and find cheap auto insurance quote. Drive well and drive safely save on auto insurance.
Teen auto insurance
Sunday, August 2nd, 2009 at
Teen auto insurance
Daniel: What are the reasons of restrictions of Graduated Driver License? How is this related to my car insurance?
Response: Daniel, Graduated Drivers License (GDL) has three main restrcitions : number of passangers you carry, night driving and speed. Now taking into consideration the restrictions, first the number of passengers. When teenage drivers transport passengers there is a greatly increased crash risk, according to a March 2008 NHTSA report. When there are multiple passengers, the crash risk is 3 to 5 times greater than when driving alone. In California, Massachusetts and Virginia, passenger restrictions have reduced crashes among 16-year-old drivers. Crash involvement per 1,000 16-year-old drivers fell from 1.07 to 0.85 in California after passenger restrictions were passed. The reduction was from 0.88 to 0.61 in Massachusetts and from 1.41 to 1.10 in Virginia. The Children’s Hospital of Philadelphia and State Farm released a study in 2007 that found that children are safer when riding in a vehicle with a teen driver who is their sibling rather than a teen driver who is not related.The study showed that children’s risk of crash injury when the teen driver is a sibling is 40 percent lower. Some states allow teen drivers to have only family members as passengers.
Secondly fatality and injury crash rates for 16-year-old drivers were 20 percent lower in states with nighttime and passenger restrictions than in jurisdictions that lacked these provisions, according to a study released in 2006 by the AAA Foundation for Traffic Safety. Study conducted by the Traffic Injury Research Foundation (TIRF), found that twice as many teens who had not been involved in a crash reported never having violated their state’s passenger restriction provision, as opposed to teens who had been involved in a crash.
Third, according to a 2005 study by National Institute of Health and Westat it was found that, when teens drive other teens, they tend to drive faster than other motorists and leave less distance between their vehicles and the vehicles in front of them. They speed more frequently when there are other teens in vehicles, especially males.
If restrictions are in place the accidents are prevented and thus the teen auto insurance rate is reduced. Obtain cheap auto insurance.
Teen auto insurance
