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Teen auto insurance


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

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:



Teen auto insurance
Cheap auto insurance


cheap car insurance and speeding 300x225 Speeding ticket  auto insurance sky rockets, especially teen auto insurance

cheap car insurance and speeding is it possible?

Charlie Brown : Why is speeding a great deal? A speeding ticket makes teen auto insurance suck.

Response :

Speeding is a great deal especially for teen auto insurance rates, not giving you cheap car insurance.

Speeding is a great deal especially for teen auto insurance since speed causes auto accidents, which means goodbye for cheap car insurance. Secondly teens who are not experienced drivers would certainly not be able to control the car at speed and hence the chances of accidents increase. This is the reason why the auto insurance or car insurance rates increase by over 10-15% if you have speeding tickets. Naturally, since the teen auto insurance rates are higher the increase of 10 -15 % would be even higher for teen car insurance.

Facts of speeding that leads to higher teen auto insurance rates and auto accidents

Below are some facts which can clarify for you the why speeding leads to higher teen auto insurance rates and auto accidents.
• Speeding Triples the Odds of Crashing (AAA Foundation for Traffic Safety))
• It is not unusual for speeders to be clocked in excess of 40 mph (and even 50 mph on occasion) in 25-mph zones. (KKAD25)
• Speeding extends the distance necessary to stop a vehicle.
*At 20 mph the total stopping distance needed is 69 feet.
*At 30 mph, the distance needed is 123 feet.
*At 40 mph, the distance needed is 189 feet which may not be enough distance and time for you to avoid hitting an object or person on the road (USDOT, NHSTA)
• If you hit a pedestrian:
*At 20 mph 5% will die
*At 30 mph 45% will die
*At 40 mph 85% will die
(Source: NHTSA)
• At night, when you can see only as far as your headlight (160 feet in front of your vehicle), the situation worsens.
• The effectiveness of restraint devices like air bags and safety belts, and vehicular construction features such as crumple zones and side member beams decline as impact speed increases. (USDOT, NHSTA)
• Speed, defined as exceeding the posted speed limit or traveling too fast for the conditions, is cited as a contributing factor in approximately 30% of fatal crashes. (NHSTA)

Five reasons why speeding needs to be avoided and gives you cheap car insurance and teen safety

As per the Governor’s highway safety association stopping speeding leads to savings :
• Save lives – Slowing down increases the likelihood of surviving a crash. Researcher Rune Elvik found that a 1% decrease in travel speed reduces injury crashes by about 2%, serious injury crashes by about 3% and fatal crashes by about 4%. Over 12,000 people died in speed-related crashes in 2008. Don’t become a statistic.
• Save money – Speeding reduces fuel efficiency, causing you to buy gas more often. The Department of Energy estimates that, as a rule of thumb, drivers can assume that each 5 mph they drive above 60 mph is like paying an additional $0.20 per gallon for gas.
• Save the environment – According to Ford Motor Company, driving a vehicle at 65 mph consumes about 15% more fuel than driving the same vehicle at 55 mph. More fuel consumed means more CO2 released into the atmosphere.
• Save yourself a ticket – Highway safety agencies and law enforcement are cracking down on speeders. Obey the sign or pay the fine!
• Save your license – A speeding ticket could lead to points on your driving record. Too many points and you could lose your license and your insurance premiums could go up.
Most of all save your hard earned money. A good driving record would give you cheap teen auto insurance or cheap car insurance quotes, get them now.



Young driver car insurance
Teen auto insurance


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.



Young driver car insurance
Cheap car insurance


Robert Patterson (Los Angles): Do you agree that teenagers will get cheap car insurance quote on account of cell-phone bans? Is this ban justified?

Tenn auto insurance rates and bans

Response: As an insurance person, parent and a social well-wisher I totally agree with the cell-phone usage ban. Secondly, it will certainly benefit all the insurance company and the people, since the lives would be saved and also it will prevent accidents. Yes, cheap car insurance quotes would be possible for all, since auto insurance rates are directly related to the auto insurance expenses.

One study indicates that driving while talking on the phone increases the risk by four. Another study shows that driving while distracted, such as adjusting the radio, engaging in a heated discussion with a passenger, or talking on the phone, may cause between 20 and 30 percent of all United States automobile accidents. Other studies, based on driver simulation tests, conclude that people have difficulty multitasking.

Automobile accidents are a major cause of death in the United States and are the single most common cause of death among children and young adults. According to the U.S. National Highway Traffic Safety Administration (NHTSA), over 6 million police-reported automobile accidents occurred in 2001, which constitutes 1 every 5 seconds. On average, a person was injured in one of these crashes every 10 seconds and a person was killed every 12 minutes. The NHTSA estimates that the annual cost of automobile accidents is $230 billion.

Cell phone usage has skyrocketed in the United States during the last 20 years. There were only a few thousand cell phones in 1983.6 According to the Cellular Telecommunications and Internet Association (CTIA), cell phone usage has shown a steady increase as follows.

  • 9 million in 1992
  • 38 million in 1996
  • 97 million in 2000
  • 134 million in 2002
  • NHTSA estimates that 73% of the people use cellphones when driving. This would mean that cellphones are a big source of distraction. This distraction, which leads to accidents must be stopped. Almost 70% of the accidents in youth have been attributed due to distraction and it is undoubtable that today cell phones are one of the biggest distraction.

    Robert, I am sure now you know why this ban was necessary. I can give you more data and example of teen auto accidents which were caused by use of cellphones, if you want them.

    Happy motoring.

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    Eric (Neveda): I am a teenager and as per the tip to get cheap teen auto insurance quote I took up graduadted licensing lessons and got cheap car insurance rates, but there are restrictions for night driving, why is this so?

    Cheap teen auto insurance and restrictions

    Response: Eric, I can understand your frustration but am happy that you got a cheap auto insurance quote. Now let me give you some details which I found out from NHTSA. According to the NHTSA, Saturday and Sunday nights between midnight and 3 a.m. are the deadliest three hours on the road, with a total of 2,451 fatal crashes in 2004, 76 percent of which involved alcohol. Even though all these new preventive measures, accidents still are happening.

    So you now know what time of day to avoid, but do you know which time of year? As per the report August topped the charts with the most fatal crashes in one month and December had the most overall automobile accidents, totaling 601,000- something to keep in mind during your vacation and holiday travels!

    I know that none of us like restrictions, but no rules and regulations are baseless or without any reason. From the above information you will now understand why the night restriction is kept. It is for your own safety. Secondly, this is why the traffic authorities are very vigilant in the vaccation period.

    Secondly the car Your car can affect your car accident severity. The vehicle you drive also can play a large role in your car accident. Passenger cars and light trucks accounted for nearly 95 percent of the 11 million vehicles involved in motor vehicle crashes in 2004. Large trucks only accounted for 15 percent of the vehicle accidents. In addition, we saw an increase in vehicles rolling over during an accident. Of the vehicles that rolled over, utility vehicles presented the highest rate at 36.2 percent in fatal crashes, 9.6 percent in injury crashes and 2.4 in property-damage-only-crashes. Regardless of the crash severity, the majority of these accidents occurred during daylight, in normal weather conditions, while the vehicle was going straight.

    Please follow all the traffic regulations and do not worry about the restrictions, these are the factors that save you from accidents, auto insurance claims and help you get cheap car insurance.

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