Jackie Talyor : I am a new driver and this will be my first-time driving in the winters? Can you help me for safe auto driving and auto insurance?
Response: In addition to driving without cruise control activated and keeping gas tank levels at least half full, GMAC Insurance and Road Safe America compiled the following checklist to help keep people safe and prepared for driving in freezing temperatures:
1.Create a Safety Kit. Be prepared with safety essentials in your car, including extra windshield wiper fluid, warm gloves and a hat, flashlight, remote jump starter, tire gauge, safety flares and a blanket.
2.Give Your Vehicle a Check Up. Avoid unnecessary accidents by taking a few minutes to check your vehicle before heading out:
Use a small tire gauge to check your tires, as cold weather will lower their pressure.
Make sure taillights, headlights, blinkers and the horn are in good working order.
3.Play it Safe in the Dark. With shopping season in high gear, heavy traffic is more common, and nightfall comes earlier. When driving at night:
Avoid using any light inside your vehicle.
Use edge lines and center lines of the roadway as guides.
If street lights cause glare, dim your dashboard lights and use your sun visor.
4.Prevent Glare. Snowfall and other precipitation can serve up severe road glare:
Be prepared with a pair of sunglasses.
Avoid foggy blotches on your windows by cleaning the inside of your windshield regularly.
Consider using winter wiper blades designed to handle heavier road debris and snow.
5. Buckle Your Bundles. Loose gifts can be dangerous distractions, and according to a thesurvey, less than half of drivers (43 percent) secure their packages on the floor or buckle them down. Avoid projectile presents by driving slower and securing gifts in the backseat or placing them on the floor.

Once you drive safely and do not have car accidents your auto insurance rate will be low and cheap. Review you car insurance coverage from time to time. I am sure you will do well. All the best.

Erica: What is the biggest risk for Teens? I need to know this to keep my teen auto insurance quote low and cheap.

Response: Erica, I agree to your thinking about finding out the biggest risk for students and trying to prevent this to save on auto insurance. You have caught on how the insurers think. You will be surprised to know the statistics prove that, the biggest risk facing young drivers today is not drugs, alcohol, school violence or suicide. Instead, teen drivers are more willing to take risks that wiser, more experienced drivers would avoid—leading to motor vehicle crashes that injure and kill thousands of kids each year.(Source :Trafficsafety.org)

As parents concerned about their children and their safety, you do everything possible to protect your kids and teach them good driving habits. Experts say parental coaching is one of the most effective ways to counter immaturity, and train and protect teenage drivers when they hit the road.

In fact, with the right influence, wisdom and knowledge under his belt, your young driver can get all the tools he needs to avoid becoming a statistic—and influence his friends to become safe drivers as well.

You will be surprised to know that 84 percent of fatal crashes involving 16- to 17-year-olds are due to a combination of inexperience, distraction, speed, fatigue, driving at night and failing to buckle up. Only 16 percent is due to drunk driving.

Teach your child how to drive and you will save your teen auto insurance quote.

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