Joel Patterson : I have bought my son who is a young driver a Toyota car. With all this news on Toyota I wonder if the general insurnace company still consider this a safe car or will the teen auto insurance rate increase for my son?

Teen auto insurance and Toyota car safety
Response : Joel, there is a lot of hue and cry about the safety about Toyota’s safety. Let me assure you that Toyota is still considered a safe car by the general auto insurance companies. This news is from the Insurance site as on 3rd March 2010. Although Toyota recently has come under fire for not addressing gas pedal problems in its vehicles that led to accidents and injuries, the company has had some positive safety news: The Scion xB and Toyota Corolla have earned the Insurance Institute for Highway Safety’s Top Safety Pick.

Here is how the insurance institute for highway safety qualify the car for safety. To qualify for Top Safety Pick, a vehicle must earn the highest rating of good in the Institute’s front, side, rollover, and rear impact tests and be equipped with electronic stability control. The xB and Corolla are the first Toyota models to earn Top Safety Pick since the Institute tightened the criteria to win by adding the new rollover test for 2010.

To earn a good rollover rating, a roof has to support the equivalent of four times the vehicle’s weight compared with the current federal standard of 1.5, IIHS said. In the Institute’s test, the xB’s roof withstood a force equal to 6.8 times the car’s weight. The Corolla’s roof supported 5.1 times the car’s weight.

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The xB and Corolla also earned the 2009 Top Safety Pick award.

“Top Safety Pick recognizes the vehicles that afford buyers the best overall protection in common crashes,” says Institute president Adrian Lund. “With more top performers, there’s no reason to buy a small car with less than stellar crash test ratings.”

There is no need to worry, but you can definetly ask your son to drive carefuly and am sure you are guiding him. With a good driving record your son would definetly get cheap teen auto insurance quote.

Thanks.
Kamlesh.

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Mike Hill : My son is a college student and we live in Oregon. I would like to know about the latest news for college student auto inusrance and distracted driving.

Response; Mike, the latest news for college student auto insurance distracted driving do not apply only for college student auto insurance but are applicable for all and will go a long way in giving cheap car insurance qutoes for all since the auto accidents will be reduced.

As per the latest news ;” Illinois, Kansas, New Hampshire and Oregon will bring in the new year with new state laws aimed at cracking down on distracted driving, according to the Property Casualty Insurers Association of America (PCI).

Of the four states with stronger laws regarding cell phone use and texting that take effect Jan. 1, 2010, Oregon goes the farthest by banning the use of hand held devices and texting for all drivers. The new law in Oregon also prohibits people under age 18 from using any type of cell phone while driving.

Illinois is placing new restrictions on hand held devices and bans their use in construction and school zones.

Kansas is implementing a ban on all cell phone use and texting for young drivers who have learner’s permits and intermediate licenses.

New Hampshire is banning texting for all drivers.

“These four states are joining a growing number states and localities that are implementing or strengthening restrictions on cell phone use and texting,” said Robert Passmore, senior director of personal lines for PCI. “In 2009, 17 states implemented or strengthened cell phone and texting laws.”

The National Highway Traffic Safety Administration reports that nearly 6,000 people died in 2008 in crashes involving a distracted or inattentive driver, and more than half a million were injured. Research also shows that the worst offenders are the youngest and least experienced drivers: men and women under 20 years of age.

According to the Insurance Institute for Highway Safety, there are statewide bans on driving while talking on a hand-held cell phone in seven states (California, Connecticut, New Jersey, New York, Oregon, Utah, and Washington) and the District of Columbia.

The use of all cell phones by novice drivers is restricted in 21 states and the District of Columbia.

Text messaging is banned for all drivers in 19 states and the District of Columbia. In addition, novice drivers are banned from texting in nine states (Delaware, Indiana, Kansas, Maine, Mississippi, Missouri, Nebraska, Texas, and West Virginia)”

Let me assure you that these regulations might seem a bit harsh on all, but these will definetly help in reducing the accidents and preventing fatal losses. This will certainly result in saving life and property and getting you cheap car insurance or cheap auto insurance.

Happy 2010 to one and all.
Thanks.
Kamlesh

Jeff Johnson: I am looking for a car for my teenaged son. Can you give me any hints as to which would be the least expensive to be insured.

Response: When looking for teen auto insurance quote, first find out which are the least expensive vehicles to be insured since this is something you have control over. Every year, organizations like the Insurance Institute for Highway safety, and companies like Insure.com compile and analyze data from consumers and individual insurers around the country, in order to provide the public with information like which cars are cheapest to own, or safest to drive.

For 2009, the top five in the “least expensive cars to insure” list are all relatively inexpensive SUVs and minivans, and similar models round out the top ten (with the exception of a single SmartCar).This is based on important factor in the cost of insurance is the cost of likely repairs. Cars which are hybrids, with their new and extremely specific technology, cost more to repair than even the largest cars with traditional gasoline engines. The small cars, with their lack of crumple zones, are more likely to be declared total losses in the event of a crash. SUVs and Minivans, on the other hand, are built to survive rugged conditions and/or protect families. They’re pretty tough to destroy.

Here’s the list, with their average annual insurance The prices shown are US national averages:
Vehicle MSRP Average Cost of Insurance
Hyundai Santa Fe $21,695 $832
Kia Sportage $16,695 $840
Hyundai Entourage $23,395 $848
Kia Sedona $21,245 $857
Kia Rio5 $13,325 $870
Honda Odyssey $26,355 $871
Chrysler Town & Country $26,355 $871
Smart ForTwo $11,990 $881
Saturn Vue $23,380 $911
Mazda Tribute $19,730 $913

I have already given the list for the 2010 cars which were declared as safe models by the Insurance Institute and so you can go to that list. The average price of insurance will be comming quite shortly. This will give you an idea as to what car to buy, but shop around for cheap car insurance quotes.

Tony Robins: Thanks for your sports car insurance tips. I know that sports car are expensive to insurer and teen auto insurance rates are high, but I was just curious to know which are the most expensive cars to insure other than sports cars ?

Response: Yes, you are right on the first count of teen auto insurance and sports cars being expensive to insure. A very interesting questions. Let me tell you that in USA two factors influence the cost of auto insurance are the size which is reffered to as the power of the engine, and the way the car will be driven. This means that sports cars, with their high horsepower, are more expensive to insure than the tiniest Toyota. This is because of the higher price tags that the sports car have, which makes auto insurance very expensive for the sports cars.

Every year, organizations like the Insurance Institute for Highway safety, and companies like Insure.com compile and analyze data from consumers and individual insurers around the country, in order to provide the public with information like which cars are cheapest to own, or safest to drive. These cars are most expensive to insure mainly because their parts are either expensive to replace and secondly their repair cost are higher. Except the sports cars the most expensive cars to insure are given below:

Vehicle MSRP Average Cost of Insurance
Nissan GT-R $79,090 $2,533
Dodge Viper SRT-10 $88,590 $2,446
BMW M6 $102,100 $2,236
Ford Shelby GT500 $43,125 $2,186
Mercedes G-Class $100,250 $2,088

This information will prove very valuable, if cost matter to you so that you can take the right decision before you buy a car. Remember that you can always get cheaper teen auto and cheaper car insurance quotes by looking for the auto discounts and opting for the right coverages.

Cost of auto insurance would not and will not deter teenagers and their parents giving them the gift of a sports car and enjoying the sports cars, the most important factor other than insurance is the teenagers safety.

Janet: I am looking for two things cheap teen auto insurance quote and a safe car-new model 2010 for my teen? Any information will be welcomed.

Response: Yes, you are a smart parent. Do you know that insurance companies give cheap auto insurance quotes for cars which are safe since the chances of fatality and accidents are less for these cars? The insurance companies are constantly researching and collecting data.

The Virginia-based Insurance Institute for Highway Safety awarded its “top safety pick” on Wednesday to 19 passenger cars and eight sport utility vehicles for the 2010 model year.

The vehicles are selected for best protecting motorists in front, side and rear crash tests based on Institute evaluations during the year. The vehicles are required to have electronic stability control, or ESC, to qualify for the award.

Ford, Subaru and Volkswagen lead the insurance industry’s annual list of the safest new vehicles. Here is a list of some of the vehicles for your ready reference:

Ford Taurus
Lincoln MKS passenger cars
Volvo S80
C30 passenger cars
XC60 and XC90 SUVs.
Subaru Legacy,
Outback
Impreza cars
Tribeca
Forester SUVs.
Buick LaCrosse
Chevrolet Malibu
Honda Civic
Honda Element.
Nissan Cube,
Kia Soul
Mercedes C Class.

These cars have withstood all the different test of crash and safety and hence you would be able to get both your wishes fullfied for cheap teen auto insurance and also for teen safety whilst driving.

All the best.

Kamlesh