Teen auto insurance

Merry Christmas! Get cheap car insurance and buy that car for your teen!

The Christmas season is one that most look forward to all year. People are a little nicer, festive decorations are decking the halls and everything is a little brighter thanks to the magical glow of Christmas lights. While you are enjoying this joyous season, keep in mind the hazards and extra costs that accompany this time of year. Being prepared for them will keep your Christmas merry.Are you thinking of buying that car for your teen as a Merry Christmas present. Get it without worrying about getting cheap car insurance.

If you have followed many of my posts, you know that I have little forgiveness for drunk drivers. The many years that I spent working in car insurance claims brought more drunk driving accidents across my desk than I could count.

The families that I talked to that lost loved ones because someone else made the bad decision to drive while intoxicated are conversations that aren’t easily forgotten. I also have personally lost family members to a drunk driver that was too intoxicated to be able to control his car on a winding road.

If you do partake in the Christmas “spirits” this year a little too much, please make arrangements for the evening. Arrangements that do not include you being the one behind the wheel of a car.

When you were finally allowed outside on Christmas morning with your new bike or sled, was watching out for cars the first thing on your mind? I know it wasn’t on my mind.

Kids haven’t changed much over the years when it comes to the enthusiasm of getting a new toy. Playing with that new toy, not your vehicle coming down the road is what is on their mind. This is why it is important that you, the driver, be the one that is aware of the kids on Christmas morning. Meaning that you need to observe the speed limit or slower in your neighborhood, especially if it is icy.

If you do hit a child, the emotional toll that it will put on you cannot be put into words. Not to mention that if the accident is found to be your fault, you can probably expect a lawsuit with monetary amounts that exceed most people’s insurance coverage. So just play it safe this Christmas morning and take your time getting to where you need to go.

Giving a car for Christmas is one of those wonderful, big Christmas gifts that come with hidden costs that most people don’t think about. Christmas cars are just like Christmas puppies, but without the potty training.

One of the most important hidden costs that come with a Christmas car, that you absolutely have to have, is the car insurance. In fact, you have to have insurance on the car before it can be driven or even registered in some states. You can get cheap car insurance if you just get your teen auto insurance quote here. Also read the post regarding teen car insurance discounts and get cheap car insurance discounts.

If you are the one giving the car to someone else, it would be very Grinch-like of you to not get at least some insurance coverage on the vehicle before Christmas morning. Nothing ruins a perfectly, magical, gift moment like giving the car and then following it up with, “No, you can’t take it out for a spin, it’s not insured yet”.

Teen auto insurance

Teen auto insurance

Christen Steward: Why is so much importance being given to text-messaging whilst driving? How would this affect the auto insurance rates and getting cheap teen auto insurance?

Response: Christen, ban on text messages would help in getting cheap teen auto insurances since prevention of accidents would lead to better driving history and thus cheap auto insurance quote.

I understand this concern and especially for teenagers who are used to the mordern gadets. Text messaging whilst driving has caused a lot of fatal accidents since text messaging is one of the second highest reason fro auto insurance claims and accidents other than speeding.

Auto insurance rates are affected and it is difficult to get cheap teen auto insurance if one is driving with distractions, text messaging being one is because you are more likely to get involved in an accident. Once you have an accident than you are going to have an auto insurance claim, which will push up your auto insurance rate and will prevent you from getting cheap teen auto insurance quote.

Here are some of the reaosns why the different states have brought in the law banning text messaging whilst driving.

Texting while driving increases the risk of accident 23.2 times over unimpaired driving.

Texting while driving results in longer response times than even drunken driving. While an unimpaired driver can respond quickly to changes in traffic and begin braking within half a second, a legally drunk driver needs four additional feet to begin braking—and a driver who’s texting needs 70.

In the moments before a crash or near crash, drivers typically spend nearly five seconds looking at their mobile devices—enough time at typical highway speeds to cover more area than the length of a football field.

Though 95 percent of drivers surveyed said texting behind the wheel was unacceptable and unsafe, at least 21 percent admit to doing it anyway.

Especially amongst teens, texting results in erratic driving behavior, like lane weaving and speeding up and down, increasing the likelihood of hurting pedestrians and running into other vehicles.

Texting behind the wheel is generational: 37 percent of drivers 18 to 27 admit to texting while driving, compared to 14 percent of 28 to 44 year olds, and 2 percent of 45 to 60 year olds.

An accident can happen in two to three seconds while texting.

Insurance is based on data and auto insurance is based not only on the data but also on the fact that this would affect human life’s and hence risk prevention and control is more important for this than other areas of insurance. Save your life and others.

Teen auto insurance