Get cheap car insurance with careful driving.

 

Myth - Red car has higher teen insurance rate- no distracted driving is the cause

 

Cheap car insurance or teen auto safety?

 

Cheap car insurance or cheap throwing away of life

Safety or cheap teen auto insurance?

Must read and see the pictures…this is reality!

Why blame teen auto insurance to be high?

This is a message which I got on my email and was asked to pass around. I feel strongly on teen safety and youth safety and this is one main reason, I write and write so that some one somewhere benefits….my way of contributing. This is excatly, what I want to pass on the message of Safety and this is a true fact, no stories…

“The Honda crotch rocket rider was traveling at approximately 85 mph. The VW driver was talking on a cell phone when she pulled out from a side street, apparently not seeing the motorcycle. The rider’s reaction time was not sufficient enough to avoid this accident.

The car had two passengers and the bike rider was found INSIDE the car with them. The Volkswagen actually flipped over from the force of impact and landed 20 feet from where the collision took place.

All three involved (two in the car and the bike rider) were killed instantly. This graphic demonstration was placed at the Motorcycle Fair by the Police and Road Safety Department..
Pass this on to car drivers or soon to be new drivers, or new motorcycle owners AND ESPECIALLY EVERYONE YOU KNOW WHO HAS A CELL PHONE!!!!!
A picture is worth a thousand words.

Save a life…

Stop talking on Cell phones and Texting while trying to drive. The life you save may be your own….. or mine… Teenagers are more prone to this so explain to them that distraction should be avoided to get cheap teen auto insurance and save lives.

Keep passing this link to all your friends and family so that they are safe and sound with us…….. we need and love them all. This is our homage to the dear departed souls.

Ensure that you bass it to all and we together succeed to get teen and young drivers safety and cheap

teen auto insurance

Thanks.
Kamlesh.

Paul Colligan : I am looking for tips to get cheap car insurance for my son a young driver of under 21. Your expert views will be appreciated :

10 tips to reduce car insurance cost

Response : You are one of the many parents who is looking for tips on getting cheap car insurance for young drivers. The most important thing is first to find the cause – reason for insurance rate being high for this group and than go about getting ways to get cheap car insurance.
The cost of insurance for this group in particular is high and if given the option, most car insurance companies would not want to take the risk from this age group. Studies have shown that young drivers between the age group of 16 to 21 are 10 times more prone to accidents than those in the rangefrom 30-59 years old. Insurance companies consider them the high risk group as they lack the driving experience and are usually unable to handle pressure situations. This group are aggressive drivers, easily influenced to taking of drugs and or consuming alcohol which are the main causes of most accidents. It is no wonder that insurance companies charged a very much higher premium for these young drivers.

Despite these negative facts about young drivers, all is not lost as even for this group, some discounts are still available. Below are some tips to reduce the insurance premium which should encourage them to be more responsible and careful when they are behind the wheel:-

1) Help your young drivers learn and be aware of the traffic laws. All traffic rules should be obeyed at all times to avoid being issued with traffic tickets or being involved in accidents. These are of no help in your effort to reduce car insurance cost for your family.

2) Set a good driving example for your children, right at an early age. Avoid road rage at all cost since agressive driving is another main reason why the car insurance cost for this group is high. If you would to shout at other drivers on the road, use the cell phone or even break the speed limit whilst behind the wheel; how would you expect your children to do differently when they are able to drive? Observed and analyzed your driving habits. Set good examples for them to follow and they will be good drivers in future. Remember, children tend to follow the examples set by adults; especially those of their parents. Be it good or bad examples.

3) In most cases, it will be better to include your teenager into your policy as an additional driver. He or she will then be able to qualify for the discounts you are currently enjoying. Should you purchase an independent policy, he or she may not enjoy the discounts and probably has to wait for at least three years to do so.

4) Motivate your son or daughter to get good grades in school/college. Inform them that by doing so, insurance company will consider them as responsible and would qualify them for discounts on their premium. Better still, you could pass on some of the savings to them as incentives if they continue to get good grades.

5) Encourage your teenager to attend courses on driving, in particular courses on defensive driving. Make sure to check with your insurance provider to ensure that the course offered by the school/college is recognize; so as to qualify them for farther discounts on their car insurance.

6) Buy an old reliable small family car, fitted with the necessary safety equipments for your young driver. Although most teenager may not like the idea at first; explain to them that it is for their own safety, as well as it contributes to a lower car insurance premium. A new flashy sport car may be nice to have but it may attract unnecessary attention (to car thieves) and encourage one to drive fast, thus increasing the risk of accidents.

7) Take this as an opportunity to interact and better understand your teenage son or daughter. Discussed with them the various ways to reduce the cost of car insurance for the family. As in tip No. 4, you may also pass a part of the savings for their ideas and contributions. Do not always make this as a habit of rewarding them or else they may get use to the idea of emptying your pockets at every opportunity. Motivate and reward them as and when necessary.

Discussed and explain to them about the ills of drugs and alcohol. This should be done especially if your teenager always feels that they have everything under control. The consequences of their ignorance on these topics could be catastrophic and even causes death, especially when they are behind the steering wheel.

9) Advise your young driver about the consequences of receiving traffic summonses/tickets. Depending on the severity of the offences, one may even be suspended from driving for a period of time.

10) Take a ride with your young driver from time to time. You may be able to spot some of his/her mistakes or bad driving habits. Point it out to them in a tactful manner and in due course, they will learn to be good drivers. If they are doing a job driving, praise them for their effort.

There you are the 10 tips on what you and or your teenager can do to reduce the premium on your family car insurance. In 2010 with the new changes in car insurance monitoring their driving with a GPS or web is also an alternate for the parents. Initially you may be of the opinion that it is not only difficult but also expensive to obtain cheap car insurance for young drivers. With the knowledge gain and some negotiating skills, you should be able to get cheap car insurance for young drivers.

Teenautoinsquote is here to help you, 24/7 .You can get a free auto insurance quote here at no obligation. Let us know any of your questions and we will do the best to help. The purpose of the web-site is not to sell insurance but bring in information and the best quotes.

Robert Cori : Young drivers look for cheap car insurance quotes and so am I? I am broke and I need to desparately get cheap car insurance. Any help would be welcome.

Response : Each young driver, college student or teenager needs a car and cannnot do without one. I want you to go through this post carefully and understand the key pointers that can get cheap car insurance.
you need to take action, since without any action everything is useless. Also do it now .
• Compare car insurance quotes from a multiple insurance providers. Car insurance is not a one time expense but a recurring expense. Shop around for quotes. Nowwith intenet you can easily get the car insurance quotes, luckily, you no longer have to sit down with a phonebook and call 10 of the top insurance companies to get auto insurance quotes. Now you can simply input your information and driving history online, and you will get in return, a comparison of rates from many of the top insurance companies including details of coverage. If you’re looking for cheap auto insurance, you just have to make sure you compare quotes.
• Your driving history is very important – Keep your record clean.
While it’s true that your insurance rate may go up after an accident, or driving offence, it really depends on what the company’s policy and their underwriting philosphy. What you need to remember is that this is constantly changing also for the same company depending on their experieince and the top management and hence you can always try. Some insurers are liberal, while others are more rigid and charge higher auot insurance rates. You need to be a responsible and mature driver. If you are one, most of the battle of getting cheap car insurance quotes is won by you. You can get out of being labelled as a high risk by establishing a good driving record.
• Ensure a good balance for your deductibles. It’s true that if you increase your deductibles, then insurance companies will give you a better rate. This is because you will share the risk and will be paying part of the los. Beside the insurance company does not have to pay expenses on small claims. Seocndly, you will be motivated to drive cautiously and will be better for your driving record in the long-term. So, cheaper auto insurance can be yours if you are willing to take on more of the responsibility if you get into an accident.
• Your car should “measures up”
The Insurance Institute Information site publishes a list of safe cars, please go thorugh my blog post on “safe cars”. When you buy a car try to buy one which is considered safe. Avoid racing cars or sports cars if you want cheap car insurance premiums. Getting a vehicle that “measures up,” in terms of not having a history of high collision/accident, comprehensive, or theft claims, will help your get cheap car insurance because you will have a low-risk automobile.
While there are many other pointers you could explore, which relate to the state of your car, others in your household, driving history, frequency of use etc. etc., the main thing is: be informed and know what you are getting into. Cheaper car insurance is something that you can achieve, especially if you shop around.
Please continue to keep an ongoing dialouge and try for a quote now.

Andy Jekings: I am adding my daughter to my auto insurance policy, and she’ll be taking one of my cars with her to college. Does this mean that she’ll be considered the principal driver on the policy?

Teen auto insurance

Response: Andy, you are missing the correct question behind this, what you really want to know is if your daughter is a principal driver than how would the insurance companies rate the policy or what will my auto insurance premium be.

Now let me explain this properly to you. If your daughter is borrowing your car to take with her to college, she must be listed as either a principal driver or an occasional driver on your insurance policy. Secondly, it would be important if the car is in the name of your daughter than she would be a principal driver. Most insurance companies will consider someone as the principal driver on the policy if he or she:

Check with your insurance company to see if you should list your son as a principal driver, and if so, how your insurance coverage and premiums will be affected.

If your daughter is listed as a principal driver than the auto insurance premium would be higher. If your daughter is using the car less and you are the principal driver than the insurance premium would be much lesser.

However, teen auto insurance premium for girls is much less expensive than the boys auto insurance premium. You can compare the teen car insurance quote here and am sure you will find cheap car insurance quote. Again you should try to obtain all the possible discounts so that you can qualify for cheap car insurance quote.

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Marie :What Kind of Car Should My Teen Drive?

Response : This is indeed a good question and am sure this is the question of many parents reading this blog. It is really exciting to give your teen the keys to the car. The car your teenager will drive is going to be important first from the safety point of view, second from the affordability in terms of the car and more so the car insurance quotes. There are a few factors to consider when deciding which vehicle to allow young drivers to operate on the roads.

The year of the car will decide the safety features of the car. Cars manufactured after 2007 are models and makes the young driver would prefer. These cars will have safety features like the air-bag and te seat-belts. Some vehicles are equipped with side curtain airbags, rear curtain airbags, knee airbags, and even roll-sensing side curtain airbags found in some SUVs.
The model of the car is also important. For example, a Subaru Forrester wouldn’t get a male teenager in as much trouble with traffic violations as a Subaru WRX. A sportier car will be driven faster just because it can be driven faster.
The car and the price of the car are important factors in deciding the teen car insurance cost, since the insurance rate will depend upon these factors. You can compare teenager car insurance rates online. Check out the rates above- you will certainly find affordable teen auto insurance quote.
Thanks.