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Stay safe, get cheap car insurance and avoid paying the $750 crash tax.

Jorge Posada : My teen friend got involved in a highway accident and had to pay $750/ ? Why?

Response : Yes, Jorge, as per the report given below the regulations are changing. Everyone wnats you to pay, if you are not a safe driver. Get your cheap car insurance quote here or compare teen auto insurance quotes if you have not. You need to save money and that is the key in this economy- to save money, make money and let your money earn for itself. 

Report on why you need to pay $750 crash tax. 

Far too many states are not doing enough to protect motorists, says a prominent group that focuses on driving dangers and pushes for laws to curb them.

Too many states fail to restrict texting on cellphones, or do not require the use of seat belts and motorcycle helmets, according to the Advocates for Highway and Auto Safety “2012 Roadmap to State Highway Safety Laws.”

The report draws on statistics and information from the National Highway Traffic Safety Administration (NHTSA) and the Centers for Disease Control and Prevention (CDC), among other government agencies.

“Motor vehicle crashes are the leading cause of death for all Americans between the ages of 5 and 34 — every day, 90 people in this country don’t make it home and needlessly die on our roads and highways,” said Jacqueline Gillan, the Advocates for Highway and Auto Safety’s president, at a recent press conference. “We have the solutions (to reduce) highway deaths and injuries and costs. Unfortunately, many of these safety laws are simply not considered an urgent priority by our elected leaders and end up in the legislative graveyard.”

‘Crash tax’ of $750 per person for insurance and medical services

Mark Rosekind, a member of the National Transportation Safety Board (NTSB), said at the press conference that there were 5.4 million crashes in 2010, with 32,885 deaths and more than 2.2 million injuries. The accidents, he added, cost the nation about $230 billion in medical services,  auto insurance , health insurance, emergency services and other associated expenses.

This is equivalent to a “crash tax” of more than $750 for every person, according to the Advocates for Highway and Auto Safety.

“The numbers are staggering,” Rosekind said.

In pushing for lawmaker action, the “2012 Roadmap” report makes several key points, including:

Texting – The NHTSA says there were 3,092 deaths in 2010 related to distracted driving, including text messaging. “Crash risk is dramatic — as much as four times higher — when a driver is using a mobile phone, with no significant safety difference between hand-held and hands-free phones observed in many studies,” according to the report, which points out that 18 states do not restrict texting. Those states are Alabama, Arizona, Florida, Hawaii, Idaho, Iowa, Missouri, Mississippi, Montana, Nebraska, New Mexico, Ohio, Oklahoma, South Carolina, South Dakota, Texas, Virginia and West Virginia. Though it’s not just teens texting, crashes involving teen drivers cost $42 billion annually.

Seat belts – There were 22,187 passenger deaths in accidents in 2010; 51 percent of the victims did not wear seat belts, according to the NHTSA. Further, the safety advocacy group notes that “deaths and injuries that result from non-use of seat belts cost society an estimated $60 billion annually in medical care, lost productivity and other injury-related costs … society bears 74 percent of the cost through increased insurance premiums, taxes and health care costs.” Eighteen states do not make seat belts mandatory: Arizona, Colorado, Idaho, Massachusetts, Missouri, Montana, Nebraska, Nevada, New Hampshire, North Dakota, Ohio, Pennsylvania, South Dakota, Utah, Vermont, Virginia, West Virginia and Wyoming.

Motorcycle helmets – In 2010, 4,502 motorcyclists were killed and 82,000 injured. Head injuries cause most deaths in motorcycle crashes, according to the Brain Injury Association of America, which adds that helmets can cut fatalities by as much as 37 percent. Helmets are believed to have saved more than 1,480 lives in 2009, according to federal figures. The CDC says motorcycle deaths and injuries cost $12 billion annually in hospital and other expenses. Eleven states do not require helmets: Arizona, Colorado, Idaho, Montana, New Hampshire, North Dakota, Ohio, Pennsylvania, South Dakota, Utah and Wyoming.

How they rate: States graded for safety law adoption

Among the 15 model laws Advocates for Highway and Auto Safety evaluated in its 2012 report (available at www.saferoads.org) are seat belt, booster seat and motorcycle helmet measures, in addition to restrictions and requirements for teen drivers, texting bans and tougher impaired driving laws.

In this year’s report, states were given one of three ratings based on how many of the 15 optimal laws they have: green (good); yellow (caution – state needs improvement); and red (danger – state falls dangerously behind). Placement in one of the three ratings was based solely on whether or not a state had adopted a law as defined in the report, and not on any evaluation of a state’s highway safety education or enforcement programs.

In 2011, two states – Maine and Rhode Island – improved their rating from yellow to green. North Dakota and Pennsylvania upgraded from red to yellow. In all, the District of Columbia and 17 states were rated in the highest rated category of green. States in the green category were California, Delaware, Georgia, Illinois, Kansas, Louisiana, Maine, Maryland, Michigan, Minnesota, New Jersey, New York, North Carolina, Oregon, Rhode Island, Tennessee and Washington.

The states with the worst rating of red are Arizona, Mississippi, Montana, Nebraska, Ohio, South Dakota, Virginia and Wyoming. All other states received a yellow rating indicating caution because there was a need for improvement due to gaps in traffic safety laws.

Car insurance takes a hit with high accident rates

Beyond the human toll and predicted rises in medical expenses and health insurance, there are car insurance repercussions when roads are not safe. Fewer safe highways lead to more accidents, which in turn lead to higher premiums for many drivers.

Depending on the collision, a driver’s overall record and other factors associated with an accident, your coverage could rise by 40 percent or more, according to Consumer Reports in its 2010 “Money Adviser” issue. A 2008 study by Insurance.com showed that the average annual policy could increase from $157 to $458, depending on the accident.

How much teen auto insurance for camping?

How much teen auto insurance when teens are camping ?

Camping and teen auto insurance - what is the relevance. Camping is a time when the vehicle is used and besides at most times you would also be using a trailer with the vehicle, especially when teens are travelling. Hence teen auto insurance or car insurance becomes important.

Camping is an important activity during the summer season. For most people, travel mean freedom and fun summer. In fact, more people you plan to drive this year than last, according to AAA. We are all ready to escape from everyday life and worry about the economy behind can be how we enjoy lower gas prices and warmer weather.

Teen auto insurance does not increase if you are using the car for camping in your own country. If you are going to another country other than Mexico or Canada than car insurance policy would be valid. Yes, there are other tips that are very important. There would be not be much teen auto insurance rate increase for the camping trip unless your teen is not a named drvier on your car. If he is not you will need to buy a short period car insurance for them.
Check out for a quote for teen auto insurance if you need one here.

According to a report of the National Highway Traffic Safety Administration (NHTSA) is summer time especially the Memorial Day weekend deadliest three days holiday a year. In addition, the number of uninsured motorists continues to rise, and people decide to keep new for older cars instead of buying. You are more likely to drive an old car by someone, which has taken no insurance will be.

Supports all the means you should your travel plans of scrap and stay at home? No! It only means that you need a little more than usual be prepared. Which helps you to problems on your journey to and camping trip?

Exciting tips to get you cheap teen atuo insurance!

1. Do not indulge in distracted driving : Distracted driving or drunk driving should be avoided. You need to also consider that if you are not doing distracted driving or durnk driving otheres are doing. This is part of the reason police kick-off the click it or ticket safety belt campaign around this time. As responsible party and wear your seat belt. And the car will not start if the children in a car seat or booster – even for short trips are bent.

2. Check your auto insurance.
This is Security Tip even more than the boring, but we are an insurance website! With so many uninsured driver now is a good time, to ensure that you UM / UIM coverage have on your policy. Also, even though your insurance in General expanded coverage to Canada, the same does not apply Mexico, so you need to purchase Mexican insurance from a reputable company close to the border.

3. Are rental car insurance necessary?
If you rent a car are, you will be asked whether you want to be wasting money their “insurance”, and you could if you say Yes. First of all, you ausfinden her if you are already covered. Many companies extend your policy coverage include rental cars, and your credit card company can cover damage to the car itself. Learn more in our article, “should you buy rental car insurance.”

Get your auto insurance quote now, if you have not got it.

Be prepared, so that accidents can be avoided and you save much teen car insurance

4. Get your trailer or boat insured
When you are camping it is best to get your tailer and boat or scoter insured if you are taking one. Also do not forget to take travel insurance if you are moving to another country since your health insurance might not be valid.

(5) Have your roadside assistance and claims reporting numbers virtually.
Do you know if your car insurance policy always includes rental reimbursement and roadside assistance coverage. If your car together breaks and you need to have it towed or hire someone else who will pay for it? Roadside assistance coverage are required not to your insurance policy, if you already are a car club. But you should add it, if you drag only have and Labor coverage – the mechanical breakdown, which do not cover not relating to an accident.

Looking for various information? Do you have any questions or feedback? Please let us know. Enjoy your camping trip.

Teen auto insurance rates soar- drowsy driving

Drowsy when driving? Be attentive otherwise teen auto insurance rates would soar.

Recent study has revealed that teenagers In a recent study, it has been revealed that teenagers crashing while driving are affected by the timing of their school and the amount of sleep they get. It is common that teenagers who are not getting enough sleep are more likely to meet with accidents since they are either working late hours or partying at late hours.

The reason for the varied crash rates as cited by Verona is that the students starting late for schools are more active as they get more time to sleep. As per the studies teenagers need a sleep of at least 8- 9 hours. Those who do not sleep enough face problems in staying alert and this may be the reason for the crashes.

Simply, a tired driver is a dangerous driver. Sleepiness slows reaction time, decreases awareness, impairs judgment and increases aggressiveness. This does not yet include the warnings on driving under influence or intoxicated or drugs. You need to know that, just like driving drunk or drugged, drowsy driving causes you to make mistakes behind the wheel — mistakes that can injure or kill the driver, passengers or total strangers. The end result is obvious to all, it leads to accidents, and ofcourse teen auto insurance rates would soar.

Get your cheap teen auto insurance rates here.

Studies on drowsy driving and teen auto insurance quotes

According to the National Highway Traffic Safety Administration (NHTSA), drowsiness or fatigue is the principal cause of up to 100,000 police-reported passenger vehicle crashes every year, killing at least 1,500 people and injuring 71,000. Many more fatigue-related crashes go unreported. But don’t blame it on the long-haul truckers: Less than 1 percent of all sleep-related crashes involve truck drivers, who are prohibited, by federal regulation, from driving more than 10 hours in a 24-hour period.

In 2003, New Jersey passed Maggie’s Law, named after a 20-year-old college student killed by a drowsy driver. The law states that a sleep-deprived driver qualifies as a reckless driver who can be convicted of vehicular homicide and serve jail time. While most states don’t have such a law on the books, the dangers of drowsy driving are now getting more attention.

These are just a few examples from the endless list of how drowsy driving is jepodising teen safety, leading to high auto insurance claims with the ultimate results of getting your teen get caught in the high teen auto insurance rates.

Check out the Insurance Forum to get answers to any querries you have or leave a comment on the blog and we will include your answer alongwith your name as a post besides answering you personally vide your email.

What are the causes of drowsy driving, know them, get your cheap teen auto insurance quote

This information is from a recent NHTSA study showed that 20 percent of crashes and 12 percent of near-crashes were caused by drowsy drivers, said Dr. Charlie Klauer, the study’s project manager and a senior research associate at Virginia Tech Transportation Institute.

How did the researchers determine a driver was drowsy? Each of 100 vehicles was outfitted with five cameras that linked to computers to record driver action and reaction. NHTSA monitored the drivers for more than one year and nearly 2 million miles of driving. Researchers determined that the drivers were drowsy if their eyes closed for longer than a blink, or if their heads bobbed forward and then bolted back upright. Also making the cut were drivers who didn’t move at all, staring fixedly ahead instead of reacting to oncoming traffic or checking the rearview or sideview mirrors.

Interesting results :
Surprisingly, the study showed that the majority of crashes and near-crashes occur during daytime hours, when roads are more crowded, rather than at night. But sleep-related accidents at night tend to be more serious because they are more likely to occur on high-speed highways and rural roads, when the driver is alone.

Among the groups studied, all the age groups had the same percentage of drowsy-driving crashes and near-crashes, except for one. “The 18-20 age group was involved in five times more fatigue-related accidents and near-accidents than any other group,” she said, due to inexperience behind the wheel and irregular sleep habits.

It’s not just age, it’s work schedule. An AAA Foundation study, based on interviews with drivers after crashes, indicated that drowsy drivers were nearly twice as likely to work at more than one job and their primary job was much more likely to involve non-standard hours. Working the night shift increased the odds of a sleep-related accident by nearly six times.

The other main cause of drowsy accidents is because of long hours of commuting. The higher the commuting time the increasing the number of drowsy-driving incidents.

Allergy, cold and flu medicines
Dr. Joel Zive, an independent pharmacist in Bronx, New York, and a spokesman for the American Pharmacists Association, cautions consumers to read their medication labels for a warning about ingredients that cause drowsiness — or ask the pharmacist. Many drivers still don’t realize that legal, over-the-counter treatments for allergies, cold and flu can cause significant sleepiness at the wheel.

For example, the antihistamines Dipenhydramine (in Benadryl), Clorpheniramine (in Clor-Trimeton) and Brompheniramine (in Diamatine) can cause drowsiness. But, the so-called second-generation antihistamines Fexofenadine (in Allegra), Loratadine (in Claritin and Alavert) and Cetirizine (in Zyrtec) are non-sedating and do not cause impairment under normal circumstances, Dr. Zive said.

How to check for signs for drwowsy driving to avoid accidents and teen auto insurance quotes to soar?

You can’t remember the last few miles driven.
You hit a rumble strip or drift from your lane.
You keep pulling your vehicle back into the lane.
Your thoughts are wandering and disconnected.
You yawn repeatedly.
You have difficulty focusing or keeping your eyes open and your head up.
You tailgate or miss traffic signs.
You have narrowly missed crashing.

< h2> Most important for teen safety and getting cheap car insurance- how to prevent falling asleep at the wheel
Here are the top 10 things to do to avoid falling asleep at the wheel, from the AAA Foundation and the University of Iowa:

1. Stop driving if you feel sleepy. Stop and drink a caffeinated beverage.
2. Since it takes about 30 minutes for caffeine to enter the bloodstream and take effect, use that time to take a nap.
3. Get plenty of sleep the night before taking a long trip — at least six hours, though more is better.
4. Don’t plan to work all day and then drive all night.
5. Drive at times when you are normally awake, and stay overnight in a hotel or motel rather than driving straight through.
6. Avoid driving at so-called sleepy times of day. Take a midafternoon break for a short nap and find a place to sleep between midnight and dawn. If you can’t nap, at least stop your drive and rest for awhile.
7. Avoid carbohydrate-laden foods that can make you sleepy, in favor of protein-laden foods.
8. Avoid allergy and cold or flu medications containing Diphenhydramine, such as Benadryl, which can contribute to drowsiness. And don’t take prescribed sleep aids, such as Ambien, until you are finished driving for the day.
9. On long trips, keep an awake passenger in the front seat. Increasing the volume on the car stereo is not a substitute for somebody you can talk to.
10. Take a break every two hours or every 100-120 miles, even if you don’t need a pit stop or gas. Get out of the car, take some deep breaths and do some stretching exercises, especially neck and shoulders, to relieve cramping and stress. And try to set a limit of 300-400 miles of driving per day.
When to take a break
In 2004, an AAA Foundation for Traffic Safety survey found that nine out of every 10 North American police officers had stopped a driver who they believed was drunk, but turned out to be drowsy instead. Johns Hopkins Medical Center says drivers should be aware of these warning signs:

Oprah Winfrey declares National No Phone Zone Day April 30 Stop texting while driving (VIDEO)2

No phone zone - no distracted driving leads to cheap car insurance

Halle Balle : Looking desperately for teen auto insurance quotes and cheap car insurance for my son who was involved in an accident. He was text messaging and lost control. Luckily no one was injured.

“Oparh declares 30th April as National No phone zone day”

Ophra has paved way for cheap auto insurance quotes and teen safety.

As on 30th April 2010 Ophra declared it as a “National No phone zone day” – no test messaging, no talking on the cell phone. Listen to her message and watch the video. This is a great step in the right direction and parents should insist that their teenagers should abstain from any form of distracted driving. Young drivers especially have the urge to talk on the phone or text message their friends or log onto twitter, facebook or other social net works.

Why teenagers do not get cheap teen auto insurance quotes?

The reality is that the younger, inexperienced drivers under 20 years old have the highest proportion of distraction-related fatal crashes. A Pew Internet & American Life Project survey of 800 young people called “Teens and Distracted Driving” found that 75 percent of all American teens ages 12 to 17 have a cellphone. The survey, conducted during the summer of 2009, found that 26 percent of American teens ages 16 to 17 have texted while driving and 43 percent have talked on a cellphone while driving. Forty-eight percent of teens ages 12-17 say they have been in a car when the driver was texting and 40 percent say they have been in a car when the driver used a cellphone in a way that put themselves or others in danger.

Data which explains why it is difficult to get cheap teen auto insurance quotes.

The National Highway Traffic Safety Administration (NHTSA) reports that 2,739 drivers between the ages of 15 and 20 died in motor vehicle crashes in 2008, down 13.7 percent from 3,174 in 2007 and down 20.2 percent from 3,431 in 1998. An additional 228,000 young drivers were injured in 2008. Are you now familar with why cheap teen auto insurance quotes are not given readily by auto insurance companies?

Ophra has given you the secret to get

cheap teen auto insurance quotes

Oprah has laid the foundation for us and as parents and teenagers we should ensure that we do not indulge in distracted driving and keep it a National No phone zone every time we are behind the wheels. This is the secret key to getting cheap teen auto insurance quotes. Be a positive influence on the teen and they will be good drivers and get cheap teen auto insurance quotes.

This would naturally result in less auto accidents and teen safety. The insurance companies would be able to cut down their claim expense and the teen auto insurance base rates would be reduced leading to cheap teen auto insurance.

Teenagers or young drivers will have good driving records and no claims on their records giving them discounts on being good drivers and also the no claim discount.

Be responsible towards yourself and your family- no use of phones or text messaging is the first step towards cheap teen auto insurance quotes. Teen auto ins quote.com is with you on this commitement. Thanks.
Kamlesh

Kristen Bell: My son has received his driving license and I am really worried about his getting involved in an accident. I have both concerns getting cheap auto insurances and also the safety of my teen. Please let me know what to do.

Cheap auto insurance is less important than teen safety:
Response : Kristen, I agree with you that cheap auto insurance can esaiy be obtained, but teen safety or the young drivers safety is more important than getting a cheap auto insurance quote. It is true that receiving a driver’s license is one of the most exciting rites of passage in a teen’s life. However, it can also be an extremely nerve-racking experience for both the new driver and his or her parents.

According to the National Highway Traffic Safety Administration (NHTSA), motor vehicle collisions are the leading cause of death for 15-to-20-year-olds.In order to ensure the teen safety here are some tips which are recommonded even by the NHTSA.

Alwyas follow the speed limit. Driving too fast is certainly dangerous. The other thing is sometimes driving too slow can also be dangerous. Not only will driving the speed limit help you stay in control of your vehicle, it can also help you save fuel. You need to teach the teen the right limits and skills of maintaining speed, which is very important. It is indeed good that the auto makers do recall vehicles in case of any problems with the vehicles. The recent recall by Toyatta is a good example of maintaining the standards by the auto makers.

Avoid distractions. With cell phones, iPods and GPS, teens might seem like pros at multitasking, but driving is not the time for distractions. Taking your eyes off the road for just one second to send a text or change songs can make a huge difference in your response time for avoiding a collision.With the recent laws trying to crub distractions by most of the states are very attractive.

Pay attention to your surroundings.It is very important to pay attention to the road directly in front of you, but make sure to check your rearview and side mirrors regularly. If you’re on a residential street, watch for children playing in the road and other pedestrians.

Most importantly,Speak Up! Your teen should be able to speak up if he is in a vehicle with a friend who is driving too fast, constantly switching lanes, tailgating or not paying attention to the road, tell him or herof discomfortable. They may be trying to impress you, and a simple request will encourage them to stop driving dangerously. If they refuse, ask them to drop you off at a safe location so that you can call someone to pick you up.

Buckle Up. According to NHTSA, “Increasing seat belt use is the simplest and least expensive way to reduce deaths and serious injuries on our roads.” In fact, NHTSA found that more than 75,000 lives were saved between 2003 and 2007 by wearing a seat belt. Taking two seconds to buckle up is the simplest action you can take to stay safer on the road. Plus, it’s the law in many states.

There are many resources to ensure your teens safety, but the most important are the parents. Parents would be able to give the right guidance and driving tips to their teens, since no matter how much they dispute and argue, ultimatley the teens know the truth.