Jessica Dube : Why are teen drivers or new drivers, student drivers more likely to be in accidents? And how can they better prepare themselves to be safe when driving unsupervised? How can you reduce general auto insurance rates for students?

Students cheap car insurance

Response : It has been observed that the teens who have just learnt to drive are more prone to accidents within the first six months of their driving. This is because they are driving themselves without the support of an instructor or their parents. They lack the experience behind the wheel and are less likely to take a decision behind the wheel.

Over the 10 years period from 1998 to 2007 the young drivers killed in these fatal crashes have accounted for 39 to 43 percent of the total fatalities. In 2007, 3,174 of those killed in young-driver-related crashes (41%) were the young drivers themselves. Thus, the remaining 59 percent of those killed in fatal crashes involving young drivers were people other than the drivers. Approximately two-thirds of the people killed in these crashes are the young drivers themselves or the passengers of the young drivers.

Reducing general auto insurance rates for students and preventing accidents:

You can reduce general auto insurance rates for students, young drivers and get cheap teen auto insurances, if you can stop the accidents. Auto accidents are the main cause for increase in the auto insurance or car insurance overall rates for yourself and your group. You can prevent accidents and stay safe by implementing the following, since they have been found to be the main reason for auto accidents for this age group :
1) Know and follow the rules – it is in your own and your friends best interest to obey the rules. This is not a place or a time for experimenting or experiencing something.
2) Avoid having passengers in your car. They can distract you and you are risking their life also. It would be better to be alone and take the right decision.
3) Avoid distractions of the cell phone or text messaging. In most states now this would go under following the rules
4) Limit yourself from night driving.
5) Learn to drive in all kinds of weather first under supervision. Pick up the tips for driving in difficult weather conditions from your driving instructor, parents or a reliable source of information like the websites, or the NHSTA.
6) Do not drive when you are tired.
7) At all cost avoid drunk driving.
A little bit of precaution on your part would save you from adversities and also pave the road for cheap car insurance or cheap auto insurance. Why throw this away just for a thrill.

Jon Sturgatt : Utah : Can I lend my car to my teenage son who is just 16? What if he meets with an accident?

Teen auto insurance

Response : If you lend a car to your teenage son who is a minor and does not have a license than you would defintely be resposible. Yes, if he meets with an accident than you would be responsible as an adult and the insurance company would not pay.

However, with the as per the latest news as of February 9th there has been a pair of bills that has been advanced in a Seneate committtee. As per the bill the parents or adults liablity for loaning a car to a minor who crashes into some one else. Till now the insurance companies were not paying for the claims and where dragging the investigations, but now as per the bill SB70 and SB62. For more details you can go to
Salt Lake Tribune

Also the parents would not be spare if they loan the car to a person known to be impaired or otherwise especially risky on the roads.

My personal advice would be not to lend a car to the minor unless you have already named him or her as a driver of your car. This way he or she would be insured. Yes, the premium might be high but there are ways of obtaining cheap auto insurance or cheap car insurance which you can see here.
Thanks.
Kamlesh.

Eben Pagan : I am 17 years old. I live in Dallas and I am looking for the cheapest teenager car insurance quotes. Is it possible to get them online?

Cheapest teen car insurances – how to get them.

Response : Yes, Eben you can get the cheapest car insurance quotes- which are just right for you. You can get the cheapest car insurance quote online, once you know excatly what coverage and limits are right for you. The choices of the insurance companies online are numerous since each comapny is marketing its own products. Though this is professional, to put it into a simple language, getting cheapest car insurance quotes and the quotes just for you – is like getting a candy which suits you. Let me explain this further, the different insurance companies have different underwriting strategies depending upon their own experience alongwith that of the industry. For example, with the recent issues for the Toyota model, certain insurance companies (do not want to name them because of the privacy norms) have already modified their rating as per this risk, however certain companies have not done this. This is one reason for the difference in the quotes. This indicates that there are differences in rating in the insurance companies and also the type of vehicle each one is using is uniques.
Secondly, each driver has their own driving history, their mileage of use and thus the rating would differ as per the indivduals. Further more, your requirment for auto insurance coverage and the limits of coverage, other than the mandatory requirements would also differ.
Last but not least, the discounts which would be given by the insurance companies also differ and the discounts which you are eligible would be different than what your friend is elegible for. Hence to get the cheapest teenager car insurance quotes you must get comparitive quotes online. Try it here, and I am sure you would get the cheapest teenager car insurance quotes.

Thanks.
Happy Motoring.

Howie: Thanks for your information on speeding tickets. I am glad that I can still get cheap car insurance, if my offence is not continous.

Speeding tickets and cheap car insurance

Response : Howie, we were discussing the cost of the speeding ticket. Today, let me discuss something which has recently come to light and that is the fact that your speeding ticket can cost you your job also. In case you are driving for your employer and your job involves driving than you will have to be careful how carefully you drive. Your driving history is not only important for the insurance company and for you to get cheap car insurance rates, it is also important for you to maintain your job.

Insurance companies are not only deciding on your insurance but are also deciding indirectly if you can be employed. When the employer goes to insurer you, the insurance company may deny your insurance or charge a high premium if your driving record is bad and thus your employer may decide not to give you your job. This is something the young drivers have to keep in mind.

Insurance companies are considering your driving record in great details and this is becoming a deciding factor of rating. The more driving activity a person has the more likelihood of an accident or getting involved in an offence like speeding. Secondly, your driving history is important whether you are driving your own car, your company’s car or your friend’s car.

The employers are also becoming more careful if you are driving the company’s car and have a bad driving record, since the liability which the company can get might be higher than the coverage that they have taken on the policy.

Young drivers, teens or college student should always remember that cheap auto insurance is not the only thing for what you need to keep a good driving record but it is going to affect your job also. If you want to have a cheap car insurance premium and if you want to make sure that you have a job in the future it would be important for you to have a good driving record. Good driving history would give you cheap car insurance – guaranteed.

Howie Schultz : How much would a speeding ticket really cost in terms of car insurance and other costs?

Speeding tickets- can cost you your cheap car insurance.

Response : Howie, yes speeding tickets can prove very costly in terms of other cost and can also deprive you off cheap car insurance rates, since insurance is dependent on your driving history. Well do not be dispappointed and dejected since for every thing there are solutions and I will show you the solution.

When a driver is pulled over by a police officer and issued a citation, the first thing they look at is how much the ticket is going to cost them. They flip it over and read the number and think that is all it will cost. However, receiving a ticket carries several hidden costs. :
1) The first hidden cost is time. Often people are caught for speeding and say they were running late, they were trying to make up time.
2) They have to pay the fine, appear in court.
3) They need to find out details of a safe drivers course, pay for it and take it.
4) The biggest cost though is usually felt in insurance rates. A ticket’s cost in insurance premiums is often many times more than the fine associated with the violation. Some violations can even result in a company dropping a driver’s coverage or refusing to renew coverage. Your auto insurance premium will be higher and the driving violation will on your record for a period of 3-5 years depending upon the state you are living in. Let me tell you a truth, which is that the auto insurance company will charge you a higher premium not for one year, but for three years. You loose your cheap auto insurance rates.

Yes, the solution is there and it is to compare your auto insurance quotes online, to improve your driving record since just one ticket is not going to crucify you. It would be worth-while to seek an appeal for the speeding ticket, since if it is the first offence the court will also let you off. Another very important thing for young drivers, fresh drivers or college students is too take up the graduated driving lessons which will give you discounts and so your increase ratings would not affect you – you would still be on the scale of a cheap car insurance quote which you were enkoying previously.

I am sure that you have done the research and compared the policies and you know that you have found the cheapest auto insurance rates. The real key, however, is keeping that cheap auto insurance rate. The best way to keep auto insurance rates low is to keep a clean driving record. If keeping a clean driving record means an improvement in your driving record it may be time to compare auto insurance rates with other carriers and discounts for good driving records can vary from company to company.However, the best thing to do is to be careful, not to speed as far as possible.
Thanks.
Kamlesh