Amish Shah : I have a teenaged son, who has just turned 17 and is looking for cheap car insurance quote for young drivers like him. We reside in Wisconcin.

Wisconsin Teen Drivers Buckling Up More Than They Used To : Denying cheap car insurance for themselves
Response : Amish, one main thing for getting cheap car insurance is to have an excellent driving record and stay away from distraction. At any cost drunk driving should be avoided. Just to let you know that of recent as per the Insurance times news of December 29, 2009,Wisconsin teenagers are buckling up more than they used to. Teen car insurance quotes are thus getting impacted by the driving habits of young drivers.

A new survey of the state’s high school students of more than 2,400 students in 57 public high schools was done in the spring.
shows that only 15 percent say they rarely or never wear a seat belt when in a car driven by another person. That is nearly half as many as said in 1993 that they don’t buckle up.

Nearly one-out-of-four students reported riding in a car with a driver who has been drinking alcohol. That was down from 39 percent in 1993.

Nine percent reported driving a car after having drunk alcohol. That’s down from 15 percent in 1993.

For teenagers who are already considered a high risk group, the only way to get cheap car insurance or cheap teen auto insurance is to have good driving habits and staying away from drunk driving at all cost. Other discounts would help in getting a cheap car insurance quote, but a bad driving record can wipe out all the advantages of any discounts and also a good driving habits can get you cheap cheap car insurance quotes.

Thus my advice to you as a parent is to try and instill excellent driving habits. Teenautoinsquote.com is continously providing you information on safety and auto insurance tips.
Best wishes for 2010 to all my readers.
Thanks.
Kamlesh.

Jackson (Kentucky): I am in Ketntuck.My freind is not wearing his seat belt- is this going to affect his auto insurance. I know this might sound silly – but I would like to know if this affects car insurance?

Auto insurance and safety

Response: Jackson, your question is not silly to an insurance underwriter. Insurance is logical. If you do not wear a seat belt than you are doing away with a safety feature and are more likely to have a higher claim or injury incase of an accident and this will certainly affect your auto insurance rate. Here is a recent news of 30th September 2009 especially for Kentucky:

“Kentucky state officials say highway fatalities are up slightly this year in Kentucky, and more than half of the victims were not wearing seatbelts.
There were 586 fatalities as of Sept. 30, up five from the same time last year.
The numbers come from the Kentucky Office of Highway Safety. About 22 percent of the deaths involved alcohol and 13 percent were motorcyclists not wearing a helmet.
Boyd Sigler, director of the agency’s division of Highway Safety Programs, says the numbers show “there is still work to be done” when it comes to highway safety education.
There were a total of 826 fatalities on Kentucky roadways in 2008.”
Yes, safety matters and I would advice your friend that as per insurance the probability of his having a fatal or bad injury with a seat belt are less than without a seat belt and hence he can certainly get no tickets, less injuries and cheap teen car insurance quote.

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I was involved in a car accident which happened in Charlotte, NC on March 29, 2003. Car lost control, went off road into ditch, ramped out of ditch into a tree, then rolled a few times. The driver a 18 years old lad and my friend was not wearing his seatbelt and was thrown from the car at impact with the tree. I, the passenger, wearing my seatbelt, was pinned inside of the car. The Fire Dep’t had to use the Jaws of Life to get me out. The driver was paralyzed from the chest down, I fractured 5 vertabrae, broke 2 ribs and suffered bruising on the brain.
Brain. B.
Charlotte, NC
Accident like this are one of the reasons why teen auto insurance rates are very high. The young drivers tend to be easily distracted by others and loose their concentration. This is the reason why they have to be more careful and stay away from distractions.
Another key feature of this is not wearing the seat belt. Had the driver worn the seat belt he would not have been paralysed.
It is a great tragedy that a little lapse can lead to such grave consequences. Teenagers need to learn their lessons of safety. Drive carefully and drive safely. You save your own self and also save your hard earned money by qualifying for cheap teen auto insurance.

Michael :I have a teenager son who will soon be learning about driving. Please let me know what the rules that I should teach him to obtain cheap auto insurance quote ? We are in Washington DC.

Response : In Washington DC the first thing that you need to keep in mind are the driving license rules which are :
The learner license could be obtained at the age of 16. Full license is granted for people of age 17 and above. The applicant should submit proof of full legal name, social security number, date of birth and DC residency. If the driver is below 18, parental or guardian consent would be needed.
Persons between the age of 16 and 20 would be placed in the Graduated Licensing Program or GRAD, which is Gradual Rearing of Adult Drivers.
If you possess a provisional driving license, you should not drive alone. Another person, who is over 21 and having a full license, should occupy the front seat next to you.
The driver and passengers should wear seat belt.
Follow the traffic rules under all conditions.
The best guidance you can give as a parent is to encourage your son to stay away from distractions since majority of the accidents are caused due to distraction. The other main cause of accidents and high insurance premiums is speed.
Safety first – no speeding and good driving record is the key to ensuring that your insurance rates are not sky rocketed and you can also save on no claim bonus.

Tanya : What can I do to help my teenager son drive and get a low auto insurance quote?

Tanya, your involvement will save the teenager’s life and also save your own money. The teenager’s auto insurance quote will depend on his driving history.

As a parent it is most important role for the parent to guide your teenager especially in driving a care. The biggest mistake that most parents make is that they are very critical with the child or too liberal. You need to help and guide him with his driving at the same time setting down certain norms firmly once you explain the importance of each of the regulations:

• Know the norms applicable in the state you live for the teenagers and you should encourage the young driver to follow them
• Restrict them for night driving.
• Restrict passengers driving with the student since they get easily distracted by the passengers and can be easily coaxed into speeding or breaking the norms with their peers.
• Prohibit them to drive when they are drunk.
• Ensure that the seat belt is put on at all times.

Most importantly you are the role model for your college going youth and so you need to ensure that you are practicing all the applicable traffic rules.