Teen auto insurance

How in would Valentine day ever be related to car insurance or teen auto insurance or young drivers insurance ?

You would naturally think that valentine day does not influence teen auto insurance or car insurance, but it is ture. Yes, it does as per a poll done by Insurance quote .com one third American drivers are engaged in romantic contact when driving which leads to distracted driving.
As per the poll by GKRoper 29% of the drivers surveyed admitted to this fact.
More than 16% of the fatal crashes were attributed to distracted driving and hence this can be a major problem for both safety and teen car insurance.

< h2> Other facts showing linking education of young drivers with auto insurance
The other fat that was revealed was that distracted driving was indulged in most by high income drivers who had a bachelors degree and were earning over $75,000 annually. More than 85% of the drivers surveyed admitted to having been involved in an accident on account of distracted driving.
The young drivers were also involved in traffic offences or had been given traffic tickets because of distracted driving. Naturally these young drivers car insurance premium was higher and they were paying higher insurance premiums.

Are the insurance companies to be blamed for high teen auto insurance or young drivers car insurance?

You would certainly agree that the insurance companies are not to be blamed if they have high teen auto insurance rates. Young drivers who have started earning well are so busy having a nice time behind the wheel that they forget reality that they are driving.

It would be best to refrain from any adverse driving habits, since these habits would get you into big trouble from the traffic authorities, and can cost you heavily in terms of car insurance or teen auto insurance.

Teen auto insurance

Teen auto insurance

Rihanna : How car parents help their teens get cheap teen auto insurance?

Parents play a crucial role in getting their teens cheap teen auto insurance

Response : Rihanna, this is continution of my part one “how parents can help their teens get cheap car insurance. Yes, once you have been able to teach your teen the driving school , more than 50% of the task of getting cheap teen car insurance or cheap teen auto insurance quotes is accomplished. Now comes the part of selecting the right vehicle.

Right choice of vehicle can get you cheap car insurance or cheap teen auto insurance and teen safety.

Rihanna, the most important part of the choice of car or vehicle or auto is going to play a more important role in helping your teen safety more than cheap teen auto insurance . As parents we all need to focus on the vehicle from the point of view of safety.

Believe me, for once, the general auto insurance company is with us and sharing the same interest since they are equally concerned of teen safety and preventing accidents, fatal crashes which are equally painful to them as us.

Most of us also focus on the value of the car rather than the safety features of the car. This is where we are wrong. It might be worth paying something extra for safety and getting cheap teen auto insurance for a number of years rather than trying to save money on the car now. The points we need to remember when we go for a choice of vehicle are :

Remember that bigger is safer : The law of physics is true that the bigger the vehicle and the heavier it is the safer it is. However, for a teen a mid=size car is more safer than a small one. Parents generally feel that they need to buy a small vehicle for their teen so that they cannot have a lot of friends with them and so they would be safer, but this is not true. A mid size car provides better protection than a small compact car in case of accidents. Please check on the related post of the blog on which vehicles are safe since the Insurance Institute for highway safety for top safety picks.

If you select a vehicle which is rated safe by the Insurance Institute for highway safety, you would get cheap teen auto insurance quotes.

Compare vehicles based on their performance , your teen needs and geographical area you reside in

You need to keep all these important points in mind and consideration when you decide on the vehicle. If you are living in an area which is an urban, high=traffic zone, it might be a good idea to select a smaller vehicle, for mileage parking and maneovur since this is going to help in getting less involved in accidents. If it is a mountain area like the rockies a heavy vehicle or a 4x vehicle would be more appropriate. Compare models for use and safety.

It is best to get a new car rather than an used car for teens. New cars get you cheap teen auto insurance rather than an used old car. New cars have all the advanced safety features. They are equiped with electronic stability control so that they donot roll over. SUV’s which are used do not have this.
Secondly, old cars may not have airbags and air brakes. Side air bags are also important to have in small cars.

Once you’ve narrowed your choices to a few makes and models, get car insurance quotes on those vehicles to learn which is cheapest to cover.

Vehicle with speed like sports car or hybrid cars do not give you cheap teen auto insurance and teen safety

Parents need to remember that hybrid vehicles are more expensive in cost and in terms of teen auto insurance. If you want cheap teen auto insurance than you must not select these vehicles for your teen. Secondly, the teen is a new driver and is less experieinced. The sports vehicles or hybrid vehicles pick up speed very fast and so the crash rates are higher.
Vehicles which have higher crash rates are more costly to insure and hence you must stay away from these vehicles if you want cheap teen auto insurance.

Make the right selection of the vehicle after all the above consideration. Vehicle make and type is going to decide the auto insurance rate. More important is the safety and utility of the vehicle also.

Please let me know your comments on this post, and stay tunned for the next part on how to get cheap teen auto insurance.

Thanks for your patients.
Kamlesh

Teen auto insurance

Teen auto insurance

Are we heading for cheap teen auto insurance quotes?

Teen auto insurance quotes or auto insurance quotes for young drivers have always been very high and the reason attributed for the same by the insurance companies is that the teen auto accidents rates are very high. Check out what are the trends in USA in the last few years.

FIGURE. Annual rate* for drivers† aged 16 or 17 years involved in fatal crashes, by age group — Fatality Analysis Reporting System, United States, 1990–2008

* Per 100,000 population in age group.

† Of passenger vehicles (i.e., automobiles, sport utility vehicles, pickup trucks, and vans).

Alternate Text: The figure above shows the annual rate for drivers aged 16 or 17 years involved in fatal crashes, by age group in the United States from 1990-2008. Continuing a general decline that began in 1996, the population-based rate for drivers aged 16 or 17 years involved in fatal crashes decreased 38%, from 27.1 per100,000 population in 2004 to 16.7 in 2008.

Data from : http://www.cdc.gov/mmwr/preview/

Teen auto accidents are on the decline, teen auto insurance quotes would certainly decline.

The above data from the CDC – Center for Disease control and prevention verify the fact that teen auto accidents are certainly going down.

Our teens are much safer. The reasons for the decline in the teen auto accidents can be contributed to :
1) Graduated Driving License programs which have started all over USA with the first start of this in Florida.
2) Change in the licensing polices.
3) Awarness among parents and teens on maintainig better safety.

Your own view points and comments on this would be appreciated, since this is a sure positive singnal for all of us that we are heading in the right direction and our objective of keeping our teens and young drivers safe is being served. Also comments on whether you got cheap teen auto insurance would be appreciated.

Relation between decline in teen auto accidents and cheap teen auto insurance quotes

There is a direct relation between the decline in teen auto accidents and getting cheap car insurance or cheap teen auto insurance quotes. This is because the lower the number of accidents for this group, the lower the expense for the insurance companies. This would mean that the loading on the auto insurance premium would not be done for this age group and if done would be at a much lower rate.

Yes, you can certainly check out teen auto insurance quotes here, and get free teen auto insurance quotes alongwith valuable information.

Do not forget to leave your comments and valuable opinions.

Thanks.
Kamlesh

Teen auto insurance

Teen auto insurance

Teen auto insurance quotes and teen speeding.

Chris Lang : Teen auto insurance quotes and teen safety is a a great issue because teenagers like to speed. Should this be Oprah’s next campaign? Is there any way the teenagers would stop speeding?

Teen auto insurance quotes and speeding.

Response : Chris, I agree with you that we speeding is a great issue for teenagers and young drivers . Speeding is responsible for fatal death of teens and their friends. Those who see their friends death in front of their eyes are greatly affected emotionally and mentally and the auto accident leaves an ever lasting effect on their lifes.

As per the National Highway traffic safety association here are some statastics :
* Of all drivers aged 15-24 years of age involved in fatal crashes, 32 percent were speeding.

* Of drivers under age 21 involved in fatal crashes, 38 percent of the male and 24 percent of the female
drivers were speeding.

It is really suprising that teen girls are almost equally prone to speeding as the teenaged boys and what might suprise you more is that girls speeding are more likely to be involved in a fatal accident than the boys.

Here are some more facts on speeding in general :

*Sixty six percent of speed-related crashes involved a single vehicle.

* Sixty percent of all speed- related fatal crashes occurred at night (6 pm to 6 am).

* Drivers involved in speed-related fatal crashes are more likely to have a history of traffic violations.

* On average, 1,000 Americans are killed every month in speed-related crashes.

These facts are naturally very distrubing but unfortunately a reality. What I would like the teenagers and their parents to focus here is that night driving is something that should not be allowed and it is defienetly dangerous. Secondly, it is time we paid attention to the children incase they had some traffic violations, since this is an indication to us that something needs to be done for the teenager.

Naturally if speeding is there and accidents occur the teen auto insurance quotes would remain high and thus speeding and traffic violations need to stop to get cheap teen auto insurance and keep our teen safety. We want them to be safe and enjoy life to the fullest in a safe manner. They do hear our message and am sure they will put it into practice, after all they will be responsible and patient.

Thanks.
Kamlesh

Teen auto insurance

Teen auto insurance

Oprah Winfrey declares National No Phone Zone Day April 30 Stop texting while driving (VIDEO)2

Halle Balle : Looking desperately for teen auto insurance quotes and cheap car insurance for my son who was involved in an accident. He was text messaging and lost control. Luckily no one was injured.

“Oparh declares 30th April as National No phone zone day”

Ophra has paved way for cheap auto insurance quotes and teen safety.

As on 30th April 2010 Ophra declared it as a “National No phone zone day” – no test messaging, no talking on the cell phone. Listen to her message and watch the video. This is a great step in the right direction and parents should insist that their teenagers should abstain from any form of distracted driving. Young drivers especially have the urge to talk on the phone or text message their friends or log onto twitter, facebook or other social net works.

Why teenagers do not get cheap teen auto insurance quotes?

The reality is that the younger, inexperienced drivers under 20 years old have the highest proportion of distraction-related fatal crashes. A Pew Internet & American Life Project survey of 800 young people called “Teens and Distracted Driving” found that 75 percent of all American teens ages 12 to 17 have a cellphone. The survey, conducted during the summer of 2009, found that 26 percent of American teens ages 16 to 17 have texted while driving and 43 percent have talked on a cellphone while driving. Forty-eight percent of teens ages 12-17 say they have been in a car when the driver was texting and 40 percent say they have been in a car when the driver used a cellphone in a way that put themselves or others in danger.

Data which explains why it is difficult to get cheap teen auto insurance quotes.

The National Highway Traffic Safety Administration (NHTSA) reports that 2,739 drivers between the ages of 15 and 20 died in motor vehicle crashes in 2008, down 13.7 percent from 3,174 in 2007 and down 20.2 percent from 3,431 in 1998. An additional 228,000 young drivers were injured in 2008. Are you now familar with why cheap teen auto insurance quotes are not given readily by auto insurance companies?

Ophra has given you the secret to get

cheap teen auto insurance quotes

Oprah has laid the foundation for us and as parents and teenagers we should ensure that we do not indulge in distracted driving and keep it a National No phone zone every time we are behind the wheels. This is the secret key to getting cheap teen auto insurance quotes. Be a positive influence on the teen and they will be good drivers and get cheap teen auto insurance quotes.

This would naturally result in less auto accidents and teen safety. The insurance companies would be able to cut down their claim expense and the teen auto insurance base rates would be reduced leading to cheap teen auto insurance.

Teenagers or young drivers will have good driving records and no claims on their records giving them discounts on being good drivers and also the no claim discount.

Be responsible towards yourself and your family- no use of phones or text messaging is the first step towards cheap teen auto insurance quotes. Teen auto ins quote.com is with you on this commitement. Thanks.
Kamlesh

Teen auto insurance