Teen auto insurance

Janet Jackson: What is the Safe Teen and Novice driver Porteciton Act 2009. How does this help auto insurance and getting cheap teen auto insurance quote?

Novice driver cheap car insurance and safety

Response: Janet, this act certainly will help the auto insurance companies to curtail their losses since the auto accidents wiil be preventer. Yes, the novice driver and teens will certainly get cheap auto insurance by virtue of this since this will curtail the night time driving when most accidents occur. The training will help the novice driver in becoming mature and good drivers and over all the accidents would be reduced.

The Safe Teen and Novice Driver Uniform Protection Act of 2009 (STANDUP Act) was introduced in April 2009 by Reps. Tim Bishop (D-NY), Michael Castle (R-DE), and Chris Van Hollen, Jr. (D-MD). This legislation would establish minimum federal requirements for state GDL laws and encourage all states to adopt GDL laws that meet those minimum requirements within 3 years.

For 3 years following enactment of the STANDUP Act, states with the minimum GDL requirements would receive grants to help them with GDL education and enforcement.

For states that don’t comply with the STANDUP Act minimum requirements within three years, the Secretary of Transportation would withhold a percentange of certain federal highway construction program funds. Funds that are withheld would be returned to states that comply within 3 fiscal years following the fiscal year for which funds were withheld. Withheld funds that are not recovered by a state within the 3-year period would be forteited and returned to the U.S. Treasury.

Here is an overview of the STANDUP Act:
States must meet the following requirements under the STANDUP Act:

Three stages of licensing – learner’s permit, intermediate stage, and full licensure – should be used

Age 16 should be the earliest age for entry into the learner’s permit process

Nighttime driving while unsupervised should be restricted during the learner’s permit and intermediate stages, until full licensure at age 18

Driving while using communication devices (cell phone calls, texting) should be prohibited at least until full licensure at age 18

Unrestricted, full licensure should occur no earlier than age 18

Passengers should be restricted – no more than one non-familial passenger under age 21 unless a licensed driver over age 21 is in the vehicle – until full licensure at age 18

Thanks.

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Teen auto insurance

Teen auto insurance

Dan Thesis: How much is teen driver education helpful for teen drivers and teen auto insurance?

Response: Dan, let me assure you that this is very important. Teen drivers learn a lot and become mature drivers with little driving education and the insurance companies offer higher discount to teen who take driving training. A Georgia state law adopted in 2007 that required driver’s education for all 16-year-olds also created a way to help pay for it, but only 20 percent of funds collected under the program have been appropriated for its use.

State officials say the law does not require all the money collected through an extra fee on traffic tickets to be spent on the teen driver’s education program, but the father of the boy who inspired the law says more money generated by the law should be used for that purpose.

Alan Brown’s son, Joshua, died in a car accident in 2003. Since then, Brown said Joshua’s Law has helped thousands of Georgia teens become safer drivers.

“I wrote this law to save lives and to honor my son,” Brown said. “I wanted to create a way to pay for driver’s education without mom or dad or the taxpayers having to pay for it.”

From fiscal years 2005 to 2009, $38.4 million was collected from the add-on fine and went into the state’s general fund. The legislature appropriated $2.7 million per year for fiscal years 2007 to 2009, for a total of about $8.1 million.

Joshua’s Law was passed during the 2005 General Assembly and took effect beginning Jan. 1, 2007. According to the law, all 16-year-olds applying for a Class D driver’s license must complete an approved driver education course and 40 hours of supervised driving, including 6 hours of night driving. The teen’s parent or guardian must provide a sworn verification that these requirements have been met.

Any Georgia resident who has not taken the driver’s education class must be at least 17 years old to get a driver’s license, but must meet the same supervised driving requirements and have parent verification.

The law also aimed to help more teens get into driver education and training programs, and created a 5 percent surcharge on traffic tickets to help fund the programs.

The Georgia Driver’s Education Commission was established, in part to administer those funds to public schools and libraries, and created a grant fund for eligible parties to apply. Bob Dallas, vice chair of the commission and head of the Governor’s Office of Highway Safety, said the state is not required to spend all of the money raised through the surcharge on driver’s education and must balance the program’s needs with others in the state.

“The legislators have to make a decision as to where the money goes,” Dallas said. “They truly do care and are very much interested in our teens being educated to be good drivers so we have fewer of them get into injuries and crashes that cause deaths.”

Under the grant program, 10,200 students completed the grant-provided driver education courses in 2008 and public libraries in 113 locations made available online driver education instructions to high school students across the state.

Brown said that’s a start, but that the state must do more.

“All these kids that are now alive, I’m extremely thrilled with that. But the state is tainting my son’s name by not doing what they’re supposed to be doing.”

Such great helps is being offered for teenagers and so each teenager should take this course and it is a moral duty of parents to encourage their children to do this. It really works and statastics have proved this. Teenager need independence and guidance to stay safe and get cheap teen auto insurance quotes.

Thanks.

Kamlesh.

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Teen auto insurance