The worst driver on the planet just walked out of the local DMV.

Take young Hannah Abrams. In March 2009, she drove herself to school with her brand-new license. After school, she headed to the Ballston Mall in Arlington, Va., with a friend. Despite her mother’s warning to avoid the circular ramp in the parking garage, Hannah decided to give it a try.

Entering the ramp, she hit another car on its way up, also being driven by a teen driver.

Hannah was devastated, as was her mother, Tamar. Repairs totaled more than $3,000. But the Abrams were lucky. Nobody was seriously injured, and thanks to accident forgiveness with USAA, Hannah’s car insurance rates didn’t go through the roof.

Are teens really bad drivers or only inexperienced-Can we justify teen car insurance?

Your teen — and your insurance premiums — might not be so lucky. No parent wants to believe his or her child is an irresponsible driver, but according to a recent study, newly minted drivers are some of the most dangerous and risky drivers in the world. They are certainly among the most costly to insure.

The U.S National Institutes of Health (NIH) conducted the first observational assessment of teenage risky driving by tracking 42 teen drivers and their parents in the Virginia cities of Blacksburg and Roanoke for the first 18 months of licensure. Their vehicles were outfitted with internal and external cameras, along with a system that collected data on acceleration, mileage and GPS positioning.

“The first six months are by far the most dangerous,” says Bruce G. Simons-Morton, senior investigator and chief of the Prevention Research Branch at the Eunice Kennedy Shriver National Institute of Child Health and Human Development at the NIH. “New drivers are 12 times more likely to be involved in an accident during their first month of driving than they will be just one year later.”

During the course of the NIH study, the teens were involved in 37 accidents while parents had only two. Near-crash statistics were just as dramatic: 242 for the teens and 32 for the parents. While crash and near-crash rates for teens consistently dropped over the 18-month period, they never approached the rates logged by the parents.

While crash risk drops off dramatically during these first six months, risky driving continues and accident rates don’t drop to adult levels until drivers are in their mid-20s.

It is well-documented that driving is one of the most dangerous acts that a teenager performs.

Auto accidents are the leading cause of death of young people ages 15 to 20, according to the Centers for Disease Control (CDC). Teens are four times more likely than adults to be in an accident. They represent only 14 percent of the driving population, but account for 30 percent of all car accidents, says the CDC.

While it’s not startling to hear that teens engage in risky behavior on the road, you might be surprised at the frequency. In the NIH study, teens were five times more likely to engage in risky driving behavior than adults.

Fast driving, rapid starts and hard stops were quite common, but sharp turns were recorded at extraordinary rates. Teens took corners sharply 25 to 30 times more often than parents did. Combine risky behaviors with modern distractions like texting and it is small wonder teens logged such high accident rates.

Simons-Morton recounts one teen accident during the study: “Teens drive fast and brake late. In this case, the driver got up to speed between stoplights, looked at his phone and rear-ended a car in front of him that had stopped for the next light. Inattention is a huge factor in teen accidents.”

The NIH found that while teens improved at driving as time passed, their risky behavior continued even after they were involved in a crash or near-crash. Crash rates declined as they gained experience, the study found, but not because they were driving more safely. They simply learned to control the vehicle better during dangerous maneuvers.

Prepare to pay the car insurance man

All of this risky driving comes at a financial price. Adding a teen to your teen car insurance policy will usually double or even triple car insurance rates. (And yes, you do have to add them to your policy, or specifically exclude them. See our articles on the Mistakets parents should not make. While young drivers’ car insurance needs will vary, premium increases will be significant in most cases. Nancy Donahue, spokesperson at Dowd Agencies, says parents can expect at least a $1,500 annual increase.

In fact, it could be more. Analysis by Carinsurance.com found even bigger increases were possible. In Culver City, Calif., adding a teen to a typical policy upped the premium a whopping $2,854 annually, a 232 percent increase.

These figures assume that your teen driver manages to keep his or her record clean. According to the National Highway Transportation Safety Administration (NHTSA), a 16-year-old gets a traffic ticket at about 1.8 times the rate of the average driver. And a simple rear-end collision can raise the rates an additional 25 percent.

New-driver car insurance rates will drop over time as teen drivers gain more experience. According to Steve Witmer, spokesperson at American Family, rates start adjusting downward at 19, 21 and 25 years of age, assuming a clean record.

Delayed driving and parental involvement are the best ways to keep a teen safe during the first years of driving.

When a parent is in the car, the NIH study found, accident rates drop dramatically. In most cases, they fall to levels matching the parent group. Parents help manage the vehicle as well as keep attention focused on the task at hand: driving the car.

Simons-Morton also advises parents to delay licensure as long as possible. “A 17-year-old is more mature than a 16-year-old. GDL (graduated driver licensing) programs are the best and most effective thing that states and parents can do to keep teen drivers safe.”

GDL programs delay full licensure by dividing the licensing process into three stages: a supervised learner’s period, an intermediate period with limits related to driving in high-risk situations, and finally a full-privilege license.

Simons-Morton reminds parents that while learning the basics of vehicle management is fairly easy, developing the judgment and attention to detail necessary to drive safely can take years of practice.

Not all driving conditions are equally dangerous; Simons-Morton recommends restricted driving during the following conditions for at least the first year:

Yes, you as teenager drivers should pass on the message to Insurance companies that you are smart drivers with your smart cars- and Get Your cheap teen auto insruance rate.

 Annual teen car insurance prices at $2.171verage auto add it is still a guaranteed way to increase your insurance bill – a teen driver insurance rates in the United States continue to their highs last autumn fall the. Insurance.com RateWatch your policy add a teen driver to for car insurance the annual anywhere from $1,200 to $4,900 per year or an average of $2.171 per year can rise to.

Tips to save money and you keep teen safe insured

April RateWatch data found that on average insurance rates last auto month, $1872, returned to its previous price continue a downward trend in prices, which began the first of the year. Although a welcome break for cash strapped consumers, those who are superior must plan the family a teen driver, add some Budgetierung-and homework – to get the best plan for young drivers.

“Parents teen drivers in for some sticker shock may, if they start always quote their policies, a teenager added”, said Sam Belden, Vice President at Insurance.com. “Given the increased number of drivers in the ages of 16-19 associated claims, the insurance premiums always high been.” But since the prices total on from begin, now is a good time to shop for a new policy. “Taking advantage of the following discounts and other savings features may be able to save money and to keep your teen safe insured.”

Insurance.com offers the following tips for parents of teen drivers:

Your teen may be his eye on a used Mustang, but assure a Honda Civic will be easier on the budget. Prices can almost $200 higher to insure a teenager on a Mustang. Security features can also help to manage your insurance costs. Many airlines offer “Safe Car” discounts for airbags, antilock brakes, and anti-theft devices such as alarms in the car. In some cases, these discounts can save 5% discount on your premium.

Some auto insurance companies offer policies with teen driver discounts if they have a b or better grade point average in school. Of course, evidence of the good grades is required, but good student can sometimes help parents to save less than 10-15% on car insurance.

Graduated driver licensing laws to new drivers to help experience under lower risk conditions. It is common for curfews imposed and the number of teen passengers limit, until a driver 18 is. A car full of teenagers late into the night is a recipe for disaster.

Video cameras and GPS are new tools, with which parents can go monitor their teen is. Some insurers offer discounts to policyholders who use these devices.

According to RateWatch, the lowest States are to insure, Wisconsin, Indiana and Ohio, where prices $2600, $2700 and $2900, were teen drivers. The most expensive States to insure teen driver? Connecticut ($5400); New Jersey ($6200) and Louisiana ($7900).

Insurance is based on the average lowest car the data in the RateWatch report prices for consumers in the single, leading by more than a dozen auto insurer in the country. The full report is available at www.insurance.com/ratewatch.

Insurance.com is the leading independent online car insurance agency in the United States. Our innovative technology enables consumers directly to the more than a dozen leading insurance companies to link rating systems. We optimize the purchasing process for consumers, immediately, the smartest decisions for their insurance and a policy to buy, compare prices authorization online or by phone. Headquartered in Solon, Ohio, Insurance.com home also provides information for life and health insurance.

Get your teen auto insurance quote now.

GEICO insurance is a company that provides many types of insurance and allows you to receive GEICO quotes. It was founded in 1936 by Leo Goodwin and his wife Lillian Goodwin. In the beginnings of the company GEICO marketed their insurance to federal government employees and their families. Goodwin thought that these people represented a more financially stable and less risky pool of insures then the general public. Once real time access to computerized driving records became available in the 1970?s GEICO began to insure the general public. They use mainly telephone and internet to sell their policies, which cuts back on paying actual insurance agents, allowing the company to save money and offer lower insurance premiums.

GEICO stands for Government Employees Insurance Company, and is now a wholly owned subsidiary of Berkshire Hathaway which provides coverage for over 10 million motor vehicles in the United States. While Government is still in the company name, GEICO is a publicly owned company and insures all populations of motorists.

GEICO insurance is currently the third largest auto insurance company in the United States. It has used many effective marketing campaigns such as commercials which feature the GEICO gecko as well as the GEICO caveman, which actually spawned a sitcom on TV (which was canceled quickly). The major taglines are ?15 minutes could save you 15% or more off car insurance? and ?So simple even a caveman could do it?. Another interesting thing about GEICO is that to get a GEICO quote for their auto insurance you must go directly to the GEICO website.

GEICO now offers coverage in most US states. It is currently the third largest auto insurance company in the US, employing 24,000 employees as well as receiving revenues of $9.21 billion in 2004.

Return From GEICO quotes to Auto Insurance Quotes

Get teen auto insurance quotes

To operate a vehicle lawfully, student motorists in USA must get their vehicles insured. Trying to find a specialist learner insurance packages, while utilizing a provisional motorists licence, can be expensive due to the fact insurance providers are certainly not too interested in insuring brand new motorists. New drivers are actually at a higher risk of getting into a collision. More often than not, cover with regard to provisional motorists is just too steeply-priced for brand new motorists, in particular when they’re under the age of 25 or even still a teen.

Of course, insurance organisations have their own appropriate arguments for not really seeking to protect brand new motorists. A great percentage of vehicle accidents which entail a fatality are caused by motorists who have recently taken and passed their driving test, many being surrounding the age of seventeen or 18.

Fortunately, there are still methods for getting lower priced student driver insurance packages through using some recommendations. These pointers are highlighted below and can contribute to insurance monthly premiums that are less expensive and easier on your wallet.

1. Train in a Smaller Sized Family Car

The motor size, power production and preliminary worth of the car you practice in, has a major influence on the insurance plan costs. That is why, when you have the pick, it is best to purchase a teen car insurance for small cars or compact cars . More compact cars that will be more affordable to purchase , are less costly to repair and for that reason insurance firms ask for a cheaper monthly premium for the insurance.

2. Become Added To a Household Motor Insurance

Among the ways to get cheaper learner driver insurance is actually to get added to your family insurance. Simply being added to a second policy could be cheaper than starting up a new insurance policy. Bear in mind that should there be a crash, it can certainly alter the record of your family insurance protection and bump up the premiums. Learners might also take into consideration short term specialty learner insurance that is developed to help safeguard a dad’s or mom’s no-claims bonus whilst his or her vehicle is being made use of for teaching.

3. Apply for a Provisional License

Many specialized insurers should be able to provide insurance cover to younger individuals if they have a provisional driving license. The fact is the insurance plan will still be costly. All USA licenses issued to a teenager are normally provisional licences

4. Utilize your Superb Marks from University or College

If you are in school and obtain very good grades, this might lead to money off on student driver’s insurance cover. College students that have fantastic grades with higher education are considered as responsible individuals and so are quite likely going to be conscientious individuals. However, in the event the driver does get into a collision or gets a ticket for exceeding the speed limit, the monthly premiums of their insurance policy can nevertheless range in price up again.

5. Compare Insurance Proposals

Among the best solutions to acquire affordable student driver insurance cover is by comparing many price quotes. Many different estimates can now be efficiently found on the web, typically as a result of typing in only a solitary request. After you have various price quotes, you’ll be able to to find out which insurance plan will give you the ideal protection at the most economical amount.

6. Take Coaching from an Approved Driving Instructor- Graduated drivers course

Another way to get hold of a reduction on learners insurance or teen car insurance  for brand new individuals is by choosing a certified driving training. Finding appropriate specialist training is viewed favourably by insurance providers for brand new drivers. Of course, there are various driving programs designed to provide insurance policy choices to the motorists for an additional amount.

7. Low Annual Miles

Another element which insurance firms give consideration to when arranging the costs is the amount of miles the car is going to be driven in the 12 months. They’ll use this quantity whenever figuring out premiums. To help keep the insurance coverage more cost effective, try to keep the brand new driver’s distance lower to the minimum during the year.

Driving hazards like texting and driving, drinking and driving, road aggression (road rage), eating and driving, and driving in bad weather are all things that can add up to some very dangerous driving. Check out the driving statistics below and then be sure to enter your zip code above for free auto insurance rates!

How dangerous are the roads? Well, with cell phones, computers, GPS systems, angry drivers, sleepy drivers, and even the weather to pit your driving skills against, you may think that you need an armored Humvee to make it through the mean streets alive. However, armed with the information in this infographic, you can at least be aware of the various challenges that you’re up against every time you get out on the road.

No one can control another driver. The most we can all do is be the best drivers that we can be and try to avoid the hazardous behaviors listed below. Even one accident can result in significant increases in your insurance premiums. Even worse, more and more municipalities are cracking down on moving violations like texting while driving, resulting in heavy fines and even jail time for repeat offenders. The bottom line: there are a million ways you can make a little mistake and end up paying a big price out on the road, but the people who pay the ultimate price are the ones who die in traffic accidents – and no one wants to be responsible for that.

Cell phones have changed the world in so many ways. They connect people across the country and even the world. They let us contact emergency services at the drop of a hat, no matter where we are, which can save lives. Unfortunately, using cell phones while driving is a main reason why people need to call for help in the first place. Cell phones are responsible for 24,000 injuries per year and 995 deaths. That’s right – using your cell phone while driving could be fatal.

Texting drivers are even more dangerous than drunk drivers. Drunk driving only makes you 4 times more likely to crash your car (although we all know that there’s no “only” when it comes to car crashes). Texting while driving increases your chances of crashing by a factor of 8! That’s twice as bad as getting behind the wheel drunk – and no one would do that! So why do so many of us think nothing of doing a little texting while in motion? It’s because we don’t realize how dangerous it is.

In terms of distance, a drunk person needs an estimated 4 extra feet of braking distance compared to a driver who hasn’t had anything to drink. Meanwhile, texting drivers need 70 extra feet! That’s insane! Nobody has an extra 70 feet to spare when driving around – maybe on the highway, but definitely not in the town or a city. To make matters worse, 21% of drivers admit to texting while driving and a whopping 46% of teens admit to texting while driving. Yup, that’s pretty much half. If you ever pass a teen driving a car, flip a coin (don’t do it while driving!). There’s a 50/50 chance that the teen you passed is a texter.

Technology isn’t the only thing out there trying to kill you on your morning commute. The weather is also a powerful foe. We’re all taught to alter our driving habits according to the weather and leave ourselves extra time to arrive at our destinations, but with the hurried pace of modern life, we seldom do so. This bad behavior results in more than 1.5 million weather-related accidents every year. And that number only accounts for the 43% of accidents that actually get reported. The remaining more-than-half are under the radar but still end up causing property damage and injuries/death. Of the numbers we do have access to, 673,000 injuries per year are attributable to weather, with 7,400 deaths.

Everyone knows that alcohol and driving don’t mix. We’re told again and again how dangerous it is to drink and drive, but we seldom come face to face with the statistics behind it. For starters, almost 11,000 people die every year in accidents related to drunk driving. Of those, more than 3 youths die every day. The average for a drinking and driving-related death is 1 person every 50 minutes. That means that when you leave your house for your standard 8-hour work day, by the time you drive home, 9 people are dead from accidents connected to drinking and driving. These deaths make up about one third of all traffic deaths.

Even if you’re not drinking alcohol, splitting your attention between the road and a tasty food or beverage selection can be dangerous. Studies show that eating or drinking increases your chance of an accident by 80%. What’s worse is that 70% of people eat while driving and 80% drink while driving. Eat before you get on the road!

There are many other causes of accidents and deaths out there, but what does all this do to your insurance costs? Well, for starters, the average cost for an insurance policy in America is $1,567. Of that annual fee, 40% of it goes to cover liability costs. This may be connected to the fact that 1 in 6 drivers is uninsured – that’s a staggering number, especially given how many Americans lack health insurance and how expensive medical costs can be after an accident.

Speaking of costs associated with accidents – even just one accident causes a more than 10% jump in your auto insurance rates. Two accidents bumps it up to about 30% more. If you even get to 4 accidents, count on your auto insurance just about doubling.

You don’t have to pay more than you should for auto insurance though. To see how much you might be able to save on your auto insurance just enter your zip code in right now for free auto insurance quotes!

Be ware of driving hazards since once you can avoid the driving hazards you can obtain cheap teen auto insurance.