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News: Will changes in teen driving rules lead to cheap car insurance?

Wednesday, March 3rd, 2010 at  
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Jake Pavelka : What are the changes in teen driving regulations? Will this help in getting cheap car insurance for the young driver?

Teen driving changes and cheap auto insurance

Response : As on 23rd February 2010, a New York law has been brought into effect . The main objective of this is to strenghten the state’s existing graduated driver license (GDL) system for teenagers, according to the Insurance Information Institute (I.I.I.).

As per this there is a a teen driver or young driver under 21 years can have only one non-family member in the car.

Secondly they need to have 50 hours of supervised driving instead of 20 hours before the teenager can take a road test.

Third, out of 50 hours of training the young driver must have 15 hours after sunset.

Graduate Driving License is a three-phase program that gives teen drivers an opportunity to develop more mature driving attitudes and gain experience behind the wheel over a period of time. Florida became the first state to enact a GDL law in 1996, and GDL legislation has been credited with reducing the number of motor vehicle accidents involving teenaged drivers in that state and elsewhere.

Nonetheless, motor vehicle crashes remain one of the leading causes of death among 15- to 20-year-olds and insurance industry research shows that more than half of teens who die in crashes are passengers, many of whom are not wearing a seatbelt. In addition, the data indicates that a teen driver’s chance of getting into a fatal accident doubles when a teen passenger is in the car. With three or more passengers, the risk quadruples.

“Immaturity and lack of driving experience are the two main factors leading to high crash rates among teens,” said Barry. “Even the best teenage drivers don’t have the judgment that comes with experience. It affects their recognition of and response to hazardous situations and results in dangerous practices such as speeding and tailgating. Teens also tend to engage in riskier behavior—eating, talking on their cellphones and text messaging. The added distraction of another teen passenger in the car just adds to the risks facing young drivers.”

If you are parents than there are ways that you can get cheap car insurance quotes for your teen and young driver. The key is to keep your teen safe which is your first goal and than comes getting cheap car insurance. For this you need to :
1. Give confidence and support to your teenager so that he or she is encouraged to build up excellent road habits.
2. Ensure that they complete their graducated driving schools so that they know the safety rules of driving. The more driving practice your teen gets, the more confident he or she will be behind the wheel and the better able to react to challenging situations on the road.
3. Some insurers offer “safe driver” programs. Teen participants in these programs sign parent-teen driving contracts which outline the young driver’s responsibilities and the consequences of failure to meet those expectations. Check whether your insurance company has such a program—if your teenager completes the program, you may be eligible for a discount.
4. Pick up a safe car : I know that in this time and age this is a big deal since big names like Toyota and General Motors are also having issues, however, you can still pick up a car which is safe as per the safe cars given by the Insurance Information Institute.
5. In addition, insurance companies are helping to reduce the number of accidents involving teen drivers by subsidizing the cost of electronic devices, such as GPS systems and video cameras, which can monitor the way teens drive. These monitoring services are usually operated by independent companies and alert parents of unsafe driving by email, text message or phone. Some insurers now offer discounts for parents and teens who participate in these safe driving programs.
6. Talk to your teen about the dangers of drinking and driving and distracted driving.
Alcohol and driving do not mix. Parents should impose a no tolerance policy when it comes to alcohol and driving.

Once you teach your teenager the safety rules cheap car insurance will automotaically follow them.

Thanks.
Kamlesh

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Auto insurance – Teenager auto crash rates can be avoided. Find out how.

Thursday, October 22nd, 2009 at  
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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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Teenager car insurance

Why is teen auto accident crash involvement high?

Saturday, October 10th, 2009 at  
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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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How do teenage auto crash rates compare with rates among drivers of other ages?

Friday, October 9th, 2009 at  
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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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Why is teenage crash involvement so high?

Thursday, September 17th, 2009 at  
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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.



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