Secrets to getting cheap teen auto insurance revealed

It is common knowledge to all that insurance cost can be huge especially teen auto insurance cost is so high that buying a dream car becomes almost impossible. The easy way out of this is to find ways of getting cheap teen auto insurance quotes and get cheap car insurance.
One of the sure ways to get cheap car insurance or cheap teen auto insurance quotes is to get find out which car is advisable to be bought based on the insurance cost of the car.

How can you find out which cars are safe and give you cheap teen auto insurance quotes?

Get the fear out of your mind that you would not get cheap teen auto insurance.

The first thing that you need to know is that since the insurance that you are getting for is for your vehicle your car is going to be the primary factor for insurance rating. As per the insurance terms this is also better known as base rate to which loading for your geographical area, driving record and all other factors are added and then discounts given for what you qualify for. So the car is the deciding factor for you.

Now, let us find out how you can find out information on safety of vehicles. The most reliable source is the Highway Loss data institute which is a non profit public service organization. This is supported by the insurance companies or auto insurers. The primary function of the highway loss data is to gather all data on the different kinds of vehicles constantly get information on accidents and analysis and test the safety of the vehicles. The other important factor which decides the auto insurance rate based on the vehicle is the data on theft of the vehicle, the cost of repairing the vehicle and the cost of bodily injury claims based on safety of the vehicle. All this information is obtained by the Insurance Institute for highway safety (IIHS)

This information is passed on to the insurance companies and this data is used by the actuarial of each insurance company to rate the vehicles. Now here is a secret and key- each actuarial will have his own method of analyzing the data and also internal data of the insurance company and hence the auto insurance rates would vary. This is why teen auto insurance rates or other rates vary for the same vehicle for each insurance company.

A smart and prudent young person like you would get teen auto insurance quotes here and compare the rates for different vehicles.

Which cars have cheap car insurance or teen auto insurance rates

The cost of repair for vehicles is difficult to determine however normally the safe vehicles would not cost much in repair. As per the recent data given by the Top safety picks for small cars as per IIHS are :
Honda Civic 4- door models (excepts) with optional ESC
Kia Forte built in 2009
Kia Soul 2010-11 models
Mitsubishi Lancer
Nissan Cube
Scion xB 2010-11 models
Subaru Impreza 2010-11 models(except WRX)
Toyota Corolla
Volkswagen Golf
Least stolen vehicles are :
The least frequently stolen vehicles are Japanese makes such as the Toyota Prius and the Nissan Murano, and family cars like the Toyota Sienna 4WD and the Volvo S80, according to the institute’s data.
So now, you know how to choose the appropriate vehicle and also how to get cheap teen auto insurance quotes. Get them- cheap teen auto insurance quotes and enjoy great savings and happy driving for the years to come.

Ashley Tistale : Does the size of the vehicle matter for teen auto insurance and teen safety so that you can get cheap car insurance quotes?

Teen auto insurance, cheap car insurance : Teen safety

Response : Ashley, frankly I would be more concerned about teen safety rather than teen auto insurance or getting cheap car insurance. Safety would matter first before money would. Once you are safe and in the best state of health you can definetly make a few hundred dollars more.

Yes, the size of the car and the safety of the car certainly matters in getting cheap car insurance. Honestly when it comes to teen auto insurance quotes it is always a big issue for the parents since they are concerned of both and rightly so.

First lets see the safety and this is based on the research conducted by the insurance institute of high way safety.

“Vehicle Size and Weight: Small cars generally do not protect people in crashes as well as bigger, heavier models. Extra weight and size enhance occupant protection in collisions, according to the Insurance Institute for Highway Safety (IIHS), which conducted three head-on collision crash tests each involving a micro- or mini-car and a midsize model made by the same manufacturer. The three small cars earned good frontal crashworthiness scores when crashed into barriers at 40 mph. However, when a small car and a midsize car crashed, the risk of injury to the occupants of the smaller vehicle increased. The IIHS says that the fatality rate in 1 to 3 year-old mini-cars in multiple vehicle crashes in 2007 was almost twice as high as the rate in very large cars of the same age. Consumers buy minicars, such as the Honda Fit, Mercedes Smart Fortwo and Toyota Yaris, to conserve gas and save money and in response to environmental concerns.

In June 2009 the Insurance Institute for Highway Safety released the results of seven low-speed impact tests of micro- and mini-cars. The study found that one fender-bender type impact alone results in damage costing from hundreds to thousands of dollars. Five of the seven cars had poor ratings in the four tests, and one produced a marginal rating. The worst car racked up $9,380 in total damage in the tests, earning a poor rating, while the best performer, which earned an acceptable rating (none earned a good rating) incurred $3,281 in damage.”

Now, the insurance companies are interested in this research since it helps them to decide the rating for the car insurance. If you choose a safe car for your teen your teen auto insurance quotes will be much lower and you will get cheap car insurance quotes. However, it is still always advisable to compare teen auto insurance quotes online since the insurance for this group is normally rated high based on the individual insurance companies own experience for this age gorup. What better place than teen auto ins quote to compare and get cheap car insurance quotes? Check it out.

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.

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