Teen Auto Insurance Quote » Insurance Institute For Highway Safety

Secrets to getting cheap teen auto insurance revealed

Kamlesh Desai — Thu, 19 Aug 2010 02:56:05 +0000

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.

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Does the size of vehicle matter for teen auto insurance and teen safety?

Kamlesh Desai — Thu, 29 Apr 2010 04:04:21 +0000

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.

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Do auto insurance companies consider Toyota as safe car?

Kamlesh Desai — Sat, 06 Mar 2010 04:09:27 +0000

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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College student auto insurance and distracted driving latest regulations.

Kamlesh Desai — Wed, 06 Jan 2010 02:52:14 +0000

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

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Teen auto insurance quote : Least expensive vehicle to be insured.

Kamlesh Desai — Sat, 28 Nov 2009 01:01:31 +0000

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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Teen Auto Insurance : Sports vehicles and other vehicles with high car insurance premiums

Kamlesh Desai — Thu, 26 Nov 2009 02:42:02 +0000

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 ?

Sports vehicles are expensive for car insurance – Visit for least expensive cars to insure

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.

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Auto insurance comapanies have declare safe cars for 2009, do not miss.

Kamlesh Desai — Sat, 21 Nov 2009 15:28:27 +0000

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

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News : Texas Pedestrian Accidents with Jump 23% During Halloween- Check your auto insurance policy.

Kamlesh Desai — Fri, 30 Oct 2009 01:48:50 +0000

Rese (Irving- Texas): If you are a pedestrian and are struck by an uninsured car how can I get a compensation or if I want immediate treatment what should I do? I am a teenager and have insurance but I prefer walking.

Response: An excellent question. Now the fist option you should go for is to ask the car driver to pay the money out of his pocket. I do also understand that if the driver cannot afford to be insured he would not be able to afford your medical treatment cost also. Let me tell you that if under your teen auto insurance policy which has coverage for uninsured motorist or uninsured driver, than you can claim under your own auto insurance policy for the treatment and injury and your insurance company will pay you. It is highly recommended that teen auto insurance should defintely have the coverage of uninsured motorist.

Here is the latest news of your town which appeared on the P/R web news just today the 29th October 2009.

On average, the number of Texans hit by cars spikes 23.3% during Halloween week, according to Allstate Insurance Company. The insurer recently looked at its Texas auto insurance claims involving pedestrians over the past five years and found a dramatic jump in accidents around trick-or-treat time. Last year, Allstate says its number of claims involving pedestrians more than doubled over Halloween week compared with the rest of 2008.

The Allstate data coincides with a report from the Insurance Institute for Highway Safety that found October 31 is the second highest pedestrian death day of the year behind Fourth of July.

“Because this Halloween falls on a weekend, there may be even more kids and cars on the road later at night, potentially creating an even more dangerous situation,” said Brent Walters, an Allstate agent in Beaumont. “Whether you’re behind the wheel or walking with your kids, it’s critical to remain alert.”

Allstate says on average, it receives 13.2 bodily injury claims involving pedestrians or bicyclists in Texas during Halloween week, compared with an average of 10.7 a week during the rest of the year.

It is honestly a time to be careful and check your own auto insurance coverage for making sure that you have the right coverage. Uninsured motorist coverage is a cheap auto insurance coverage.
Happy Hallowen.

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Are mini-cars safe, fuel efficent and low on insurance cost?

Kamlesh Desai — Wed, 23 Sep 2009 04:04:29 +0000

Travolta: Are mini-cars and low cost cars good for young drivers considering it from car insurance, repairs and safety?

Response : Let me make one thing very clear that the insurance companies have association with the highway safety, automobile association, repairs and other institutes who are related to their business. The insurance companies base their rates on actual data gathered from surrvey’s or actual facts and figures. The Insurance Institute for Highway Safety (IIHS) tested the bumpers on the seven micro- or mini-cars.

While consumers look to these smaller models for cost and fuel savings, the repair costs of fender benders in these kinds of cars could translate into big bucks, reports the IIHS.Five out of the seven models tested earned a ‘poor’ rating and one earned a ‘marginal.’
The worst performer is the Kia Rio, which sustained [US]$9,380 total damage in the four low-speed tests (two full-width and two corner impacts), an IIHS release says.
This minicar racked up about [US]$3,700 damage, or 30% of its purchase price, in the full-front test alone.
The Toyota Yaris, Honda Fit, Hyundai Accent and Mini Cooper also earned poor ratings for bumper performance.
The Smart Fortwo is the best overall, the institute says, with [US]$3,281 total damage in four tests.
Costs are relatively low for this microcar because its pre-painted plastic body panels are dent-resistant, inexpensive and easy to replace, the IIHS suggests.
The above findings show that small cars are not safe and are really costly for repairs, which is known to the insurers. Secondly, insurers also know that young drivers and teenagers are prone to accidents and so the insurance rates would not be reduced for small cars after the insurer knows these facts.

However, I recommond that you try free quotes given here and you will be suprised with the cheap auto insurance quote. Check it out.

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Getting Teen auto insurance gift for your teenager.

Kamlesh Desai — Sat, 29 Aug 2009 02:29:16 +0000

Buying a car for your teen is just not good enough these days. Getting him or her corresponding auto insurance must complete the gift. This makes perfect sense not only because teen drivers pose a higher danger risk on the road, but also because statistics communicate a grim fact – automobiles figure as the primary cause of accidents in the United States, with an approximate number of 40,000 fatal crashes occurring each year, according to the Insurance Institute for Highway Safety. Thus, protecting one’s young drivers with auto insurance is not merely a fancy indemnity but actually necessary.

Teens cannot wait for that liberating day when they will finally be able to have a ride of their own. Nobody can blame them of course; the freedom and power of having one’s own car is intoxicating, which is why parents or guardians must make sure their young adults are heavily lectured on being responsible, as well as solidly protected with teen auto insurance.

The Price Tag: “Expensive”

Buying a car and providing insurance for one’s teen will surely drain the pockets. This type of insurance policy can be expensive, as premium increases are expected to reach 50 to 100% – an acceptable leap since teens sustain four times the risk of dying in road accidents than older drivers do. The good news though is that one may be able to lower the cost with the following steps.

Explore insurance privileges. Being well-informed about privileges or promotional schemes in teen auto insurance could help lower the cost of the policy. For example, most companies offer discounts or cost-friendly insurance schemes for young drivers who have good grades or who do well in school. And when one’s teen is such a student, the parent could save a decent amount of money in purchasing vehicle coverage. Another privilege that could dramatically slash insurance rates is the car assignment rule, wherein the young driver is assigned only one specific car for usage. This would then mean that other family cars are not accessible. Insurance companies offer lower rates for such an arrangement.

Pick the right car. Parents must remember that the cardinal rule in auto insurance, “the fancier the car, the bigger the cost,” is critical in choosing the right teen auto insurance policy. Instead of a red sports car, give your teenage driver a used car. This way, the insurance premium would not be as fancy and as expensive.

Getting teen auto insurance for one’s young driver is a stroke of love. This is a gift of protection – the perfect present any parent could give his or her child.

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