Teen auto insurance

Are we heading for cheap teen auto insurance quotes?

Teen auto insurance quotes or auto insurance quotes for young drivers have always been very high and the reason attributed for the same by the insurance companies is that the teen auto accidents rates are very high. Check out what are the trends in USA in the last few years.

FIGURE. Annual rate* for drivers† aged 16 or 17 years involved in fatal crashes, by age group — Fatality Analysis Reporting System, United States, 1990–2008

* Per 100,000 population in age group.

† Of passenger vehicles (i.e., automobiles, sport utility vehicles, pickup trucks, and vans).

Alternate Text: The figure above shows the annual rate for drivers aged 16 or 17 years involved in fatal crashes, by age group in the United States from 1990-2008. Continuing a general decline that began in 1996, the population-based rate for drivers aged 16 or 17 years involved in fatal crashes decreased 38%, from 27.1 per100,000 population in 2004 to 16.7 in 2008.

Data from : http://www.cdc.gov/mmwr/preview/

Teen auto accidents are on the decline, teen auto insurance quotes would certainly decline.

The above data from the CDC – Center for Disease control and prevention verify the fact that teen auto accidents are certainly going down.

Our teens are much safer. The reasons for the decline in the teen auto accidents can be contributed to :
1) Graduated Driving License programs which have started all over USA with the first start of this in Florida.
2) Change in the licensing polices.
3) Awarness among parents and teens on maintainig better safety.

Your own view points and comments on this would be appreciated, since this is a sure positive singnal for all of us that we are heading in the right direction and our objective of keeping our teens and young drivers safe is being served. Also comments on whether you got cheap teen auto insurance would be appreciated.

Relation between decline in teen auto accidents and cheap teen auto insurance quotes

There is a direct relation between the decline in teen auto accidents and getting cheap car insurance or cheap teen auto insurance quotes. This is because the lower the number of accidents for this group, the lower the expense for the insurance companies. This would mean that the loading on the auto insurance premium would not be done for this age group and if done would be at a much lower rate.

Yes, you can certainly check out teen auto insurance quotes here, and get free teen auto insurance quotes alongwith valuable information.

Do not forget to leave your comments and valuable opinions.

Thanks.
Kamlesh

Teen auto insurance

Teen auto insurance

Courtesy of photo to Flickr ” From merfam”

Should distracted driving be an exclusion for teen auto insurance policies?

Distracted driving is becoming a very serious problem for the auto insurance companies not only for teen auto insurance but for even other auto insurance quotes – for teenagers as well as older drivers.

Luling : Authorities say three Hahnville High School students in Luling, La., remain hospitalized from a wreck when a driver lost control while allegedly texting on her cell phone.
St. Charles Parish sheriff’s deputies tell The Times-Picayune that one boy was sitting on a curb, one standing on the curb and another standing nearby in the street when they were hit Saturday evening in Luling.
They are identified as 15-year-old Joseph Kirch, 17-year-old Treval Dunmiles and 17-year-old Joseph Rafiel, all of Luling.
Authorities say 42-year-old Stephanie L. Clay of Luling was booked with texting while driving, reckless driving and three counts of negligent injuring.

This is one reason why distracted driving is becoming a big concern for teen auto insurance and also safety of teenagers.

Distracted driving is an error and so teen auto insurance companies should not exclude distracted driving.

Distracted driving is an error and this is what the teenagers and the parents are buying teen auto insurance and hence, it would be outrageous for the insurance companies to exclude them. Besides this the insurance companies are surcharging teen auto insurance quotes is the how the insurance companies are getting more auto insurance premium. Why should the insurance company worry about accidents? The next year, they would increase the [">teen auto insurance rates and balance their losses.

How can you still get best teen auto insurance quotes in the present scenerio?

In the present scenerio we need to act as parents and guide out teenagers so that we instill in their mind that driving a car is not just fun but a responsiblity.
The teens are responsible for their own safety and also for those around them. If you implement these strategies you get both teen safety and cheap teen auto insurance quotes for life time.

You need to explain and stress the importance of keeping a clean driving record. What is a clean driving record? It would mean that you have no speeding tickets, no traffic violations and no claims on your insurance record which would mean no accidents. You will definetly be rewarded with cheap teen auto insurance for this.

Explain to your teen that distracted driving is a biggest problem when you are driving and needs to be corrected. Undistracted driving is sure way of getting a clean driving record and cheap teen auto insurance quotes. You can also reduce their rates by purchasing insurance with a higher deductible. The higher the deductible is the lower the premium is.

If the teens are not indluging in distracted driving, would the insurance companies be justifed in keepin high teen auto insurance rates? Would they be justified in keeping distracted driving as an exclusion? What is your stake and opinion on this? Do you want your teen to be safe and get cheap teen auto insurances?

It will be a pleasure to get your valuable opinion and poll on this. Just your email and Yes or No – to should distracted driving be an exclusion for teen auto insurance polices? Its up to you now.

Teen auto insurance

Teen auto insurance

Eric Rockfeller : Are auto insurance discounts offered to college students? How can one get more discounts?

Cheap car insurance quotes for college students.

Response: Most certainly college students would qualify for auto insurance discounts and cheap car insurances just like any other drivers. What you need to remember is that the discounts would differ for each category. The truth is that college students enjoy more discounts than other normal drivers and they get additional discounts like:

1. Being an additional driver on their parent’s policy. Living with parents and remaining on their policy often is the easiest way to find cheap car insurance for college students.
2. Good student’s discount: College students who earn a grade point average of a “B” or better are often given good student discount auto insurance.
3. Group discount of being a member of the college or institute based on which insurance company they have tied up with. Some colleges or institutes have a tie up with certain insurance companies for all their insurance needs and these companies offer an additional group discount to students for their insurances. However, it is still advisable to compare auto insurance rates since the basic rate of the insurance company might be higher.
4. Defensive driver education course discount is offered to college students or young drivers or teens for taking up this course. Some insurance companies offer up to 15% discounts on this.

Additional common auto insurance discounts:

5. Low mileage discounts: Low mileage discounts can be obtained for those who commute a short distance to work and school. With the new technology online this is very easy since insurance companies offering drive as you go polices or GPS to track your mileage.
6. Increasing your deductible limits would help you in reducing auto insurance premium and getting cheap auto insurance quotes. The higher the deductible the lower will be the auto insurance premium.
7. Get multiple quotes online to find cheap insurance for young drivers without having to fill out the same information for each company. Also if you go for multiple coverages with the same insurer you will get higher discount. Buy home and auto insurance from the same insurance company.
8. Keep a good credit score and you will be rewarded with discounts or cheap car insurance quotes.
9. Most important is that you should establish a good driver history. A good drivers discount of 20% is given to a driver who has been licensed for at least three years, has not had accumulated more than one “violation point” against their driving record, have not been found liable for an accident which resulted in a death or injury and have not had a conviction for driving under the influence of drugs or alcohol in the past seven years. Therefore, it is very important to to always obey traffic laws and practice safe driving at all times to maintain a clean record Never drive intoxicated. A Driving Under the Influence (DUI) conviction may result in a young driver not qualifying for car insurance policies offered by reputable inexpensive companies.
10. Air Bags and Automatic Seat Belts: There are insurers which will apply a reduction to a premium of up to 30% on Personal Injury Protection (PIP) and Medical Payments for having these safety features. The basic principle behind this is because if an insured is involved in an accident these features can prevent the risk of injury or lower the amount of injuries sustained by the policyholder and/or passengers.
11. Anti-Theft Devices: Companies offer a lower rate on Comprehensive coverage to those who own a vehicle equipped with low-jack, a GPS tracking system or an alarm. There are two reasons for this. The first is that an alarm can deter a thief if it is activated which in turn may stop them from stealing the automobile. Secondly, if a vehicle is stolen and it can be tracked, it raises the chances of recovering vehicles and the automobiles being recovered in a timely fashion which can result in minimum damage. This will save the insurer a significant amount of money if a claim is filed and the automobile is recovered before it can be stripped or destroyed. The savings on coverage are usually in the area of 5% which may not seem like much but in combination with others it can add up.
12. Anti-Lock Brakes (ABS): Having anti-lock brakes can enhance the ability to stop before striking another vehicle and therefore can offer a rate reduction of 5% or more on Property Damage and Bodily Injury policies

Remember that you will get a maximum discount of 40-45% overall even though you qualify for a lot of discounts. This is because most insurance companies do not allow overall discounts higher than this and there is a cap on the maximum allowable discounts. However, you can rest assured that you will win cheap auto insurance quotes.

Thanks.
Kamlesh

Teen auto insurance