Teen auto insurance

Courtesy of photo to Flickr ” From merfam”

Should distracted driving be an exclusion for teen auto insurance policies?

Distracted driving is becoming a very serious problem for the auto insurance companies not only for teen auto insurance but for even other auto insurance quotes – for teenagers as well as older drivers.

Luling : Authorities say three Hahnville High School students in Luling, La., remain hospitalized from a wreck when a driver lost control while allegedly texting on her cell phone.
St. Charles Parish sheriff’s deputies tell The Times-Picayune that one boy was sitting on a curb, one standing on the curb and another standing nearby in the street when they were hit Saturday evening in Luling.
They are identified as 15-year-old Joseph Kirch, 17-year-old Treval Dunmiles and 17-year-old Joseph Rafiel, all of Luling.
Authorities say 42-year-old Stephanie L. Clay of Luling was booked with texting while driving, reckless driving and three counts of negligent injuring.

This is one reason why distracted driving is becoming a big concern for teen auto insurance and also safety of teenagers.

Distracted driving is an error and so teen auto insurance companies should not exclude distracted driving.

Distracted driving is an error and this is what the teenagers and the parents are buying teen auto insurance and hence, it would be outrageous for the insurance companies to exclude them. Besides this the insurance companies are surcharging teen auto insurance quotes is the how the insurance companies are getting more auto insurance premium. Why should the insurance company worry about accidents? The next year, they would increase the [">teen auto insurance rates and balance their losses.

How can you still get best teen auto insurance quotes in the present scenerio?

In the present scenerio we need to act as parents and guide out teenagers so that we instill in their mind that driving a car is not just fun but a responsiblity.
The teens are responsible for their own safety and also for those around them. If you implement these strategies you get both teen safety and cheap teen auto insurance quotes for life time.

You need to explain and stress the importance of keeping a clean driving record. What is a clean driving record? It would mean that you have no speeding tickets, no traffic violations and no claims on your insurance record which would mean no accidents. You will definetly be rewarded with cheap teen auto insurance for this.

Explain to your teen that distracted driving is a biggest problem when you are driving and needs to be corrected. Undistracted driving is sure way of getting a clean driving record and cheap teen auto insurance quotes. You can also reduce their rates by purchasing insurance with a higher deductible. The higher the deductible is the lower the premium is.

If the teens are not indluging in distracted driving, would the insurance companies be justifed in keepin high teen auto insurance rates? Would they be justified in keeping distracted driving as an exclusion? What is your stake and opinion on this? Do you want your teen to be safe and get cheap teen auto insurances?

It will be a pleasure to get your valuable opinion and poll on this. Just your email and Yes or No – to should distracted driving be an exclusion for teen auto insurance polices? Its up to you now.

Teen auto insurance

Teen auto insurance

Amish Shah : I have a teenaged son, who has just turned 17 and is looking for cheap car insurance quote for young drivers like him. We reside in Wisconcin.

Wisconsin Teen Drivers Buckling Up More Than They Used To : Denying cheap car insurance for themselves
Response : Amish, one main thing for getting cheap car insurance is to have an excellent driving record and stay away from distraction. At any cost drunk driving should be avoided. Just to let you know that of recent as per the Insurance times news of December 29, 2009,Wisconsin teenagers are buckling up more than they used to. Teen car insurance quotes are thus getting impacted by the driving habits of young drivers.

A new survey of the state’s high school students of more than 2,400 students in 57 public high schools was done in the spring.
shows that only 15 percent say they rarely or never wear a seat belt when in a car driven by another person. That is nearly half as many as said in 1993 that they don’t buckle up.

Nearly one-out-of-four students reported riding in a car with a driver who has been drinking alcohol. That was down from 39 percent in 1993.

Nine percent reported driving a car after having drunk alcohol. That’s down from 15 percent in 1993.

For teenagers who are already considered a high risk group, the only way to get cheap car insurance or cheap teen auto insurance is to have good driving habits and staying away from drunk driving at all cost. Other discounts would help in getting a cheap car insurance quote, but a bad driving record can wipe out all the advantages of any discounts and also a good driving habits can get you cheap cheap car insurance quotes.

Thus my advice to you as a parent is to try and instill excellent driving habits. Teenautoinsquote.com is continously providing you information on safety and auto insurance tips.
Best wishes for 2010 to all my readers.
Thanks.
Kamlesh.

Teen auto insurance