Teen auto insurance

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.

Teen auto insurance

Teen auto insurance

 

Cheap Car Insurance –do you have these  Safety Features?

Looking for cheap car insurances – do you have these Safety features? Check them out since in calculating what you pay as premium, insurers take a lot of factors into consideration. Therefore, if you want affordable car insurance, you’d have to be on the right side of those factors. In this article, I’ll go deep into safety features and which you should endeavor to have in your car  if want to pay a lot less… A Video On General Road Safety Tips…

Safety features in your automobile reduce the likelihood of claims and, where claims are made, reduce the amount  claimed. Therefore, they reduce the risk an insurer assumes by insuring you. But which are worthy of your time and investment?

1. Airbags: You know those bags that spring open when there is a crash, don’t you? Apart from keeping you safer while you’re in a vehicle, it helps cut down your rate.

2. Anti-Lock Brakes: These prevent your wheels from locking if you slam on your brake. This gives you more control in difficult situations and also reduces your stopping distance. Although NOT all states make it mandatory for insurers to give discounts to policyholders who have this feature in their cars, you’ll do well to discuss with your agent if you car has this.

3. Theft-Deterrent Features: Car alarms and keyless entries fall into this category. Thieving rats will generally think twice before going for vehicles with such features.

4. Automatic seat belts: Apart from the fact that seat belts are required by law, some vehicles go further by adding a feature that makes it impossible for you to ride in them without wearing the seatbelts. Discuss with your agent if your car has such extra feature.

5. Etch Your VIN. Having your VIN etched on your windows will help deter thieves as this will make it difficult for them to resell stolen items.

I know folks who have their VIN etched onto their fenders/bumpers. Just go ahead and do it wherever it makes sense — Just don’t disfigure your car.

All these safety devices will help cut down your auto insurance rate. But the question is “by how much?” This depends on the insurer…

Different insurers have different relevancy scores for the different factors that are used to determine your rate. Therefore, get cheap teen auto insurance or cheap car insurance here.

Season greetings – stay warm and happy.

Kamlesh

Teen auto insurance

Teen auto insurance

There’s more to think about than just MSRP, financing arrangements and dickering strategies when considering the costs of buying a new car.

[Compare car insurance quotes now.]

Factor in auto insurance expenses, too.

Consider the following factors when you’re deciding which model to buy, and get car insurance quotes online once you’ve narrowed down your choices — you may surprised how much car insurance rates can vary among models and among car insurance companies.

Spending some time up-front getting car insurance quotes before you decide on a car model can help you avoid sticker shock on your auto insurance rates.

1. Safety features

A car’s safety features are designed for two main purposes — to help you avoid getting in a crash and to help you escape a crash with the least amount of injury. Larger, heavier cars tend to be safer than small cars due to the simple laws of physics.

“Small cars have twice as many occupant deaths each year as large cars,” says Loretta Worters, vice president of the Insurance Information Institute. “In crashes involving smaller and larger vehicles, heavier vehicles drive lighter ones backwards, decreasing the forces inside the heavier car and increasing them in the lighter car.”

But while there’s a big safety difference between small and mid-size cars, the benefits of size and weight diminish after a certain point, says Russ Rader, spokesman for the Insurance Institute for Highway Safety.

Check the Insurance Institute for Highway Safety’s ratings online. Safety ratings among cars in the same class can vary widely.

Safety features that protect you include:

good vehicle structural design, which keeps damage away from the occupant compartment of the car restraint systems, including seat belts and airbags electronic stability control systems, which prevent rollovers — now standard in all new SUVs

Newer features include lane-departure warning systems and blind-spot detection systems. Make sure your auto insurance company knows about all the safety features of your new vehicle so that you can get discounts for them.

2. Other design characteristics

Cars designed to go fast typically have higher-than-average death rates. Combining a high-performance car with a young driver is a dangerous mix, the Insurance Information Institute says, not to mention an expensive one from the standpoint of car insurance premiums.

3. Cost of repair and replacement

Luxury cars are costly to insure because you have to pay a lot to repair and replace them. And if you drive a very large vehicle, like a Hummer, auto insurers also consider the cost of repairing the other guy’s car in case you cause an accident.

Although SUV safety has improved, thanks to newer, more compact designs and electronic stability control systems, they still can be more costly to insure because of the damage they inflict on other cars, Worters says.

4. Theft appeal

Your car insurance company also looks at how likely your car is to get stolen. Thieves tend to go after flashy, powerful cars, such as luxury SUVs and pickups. Check the latest data online from the Highway Loss Data Institute to see which cars have the best and worst theft-loss ratings.

In most states, you have to show dealerships proof of car insurance before you drive a new car off the lot. Your existing car insurance will generally cover your new car temporarily if you already owned a car, but policies differ from insurer to insurer. Your car insurance company may require that you notify it of the change within 30 days or less. As you compare auto insurance quotes from different companies, check with your current insurer about the rules for covering a newly purchased vehicle.

If this is your first car, you need to buy a car insurance policy before the dealer hands over the keys.

Teen auto insurance

Teen auto insurance

 

Light Small Cars Safe?

Obviously one of the biggest factor or consideration for parents when buying a car for their teen or young driver is safety. Are light small cars safe? Which is the safets car?

A study¹ done some years ago exposed the fallacy of choosing vehicle safety based only on size or weight.

Crash testing and real world collisions have documented the effects of seat belts and passive restraints such as air bags and proved the benefits of protecting drivers and passengers in the event of a collision with another vehicle or another object.

Better structural engineering and technology have certainly made major improvements in the ability of vehicles to protect occupants from more serious injuries and fatalities.

But what about the ability of a driver to avoid a collision in the first place? Being able to control and maneuver a vehicle well can have a big effect on collision avoidance. Recent advances in using anti-lock brake systems also enable control of a vehicle’s steering to create electronic stability control systems that intervene with the way the driver uses the brakes and power.

By using computer control of braking and throttle a vehicle can be stabilized to avoid skidding, spin-out, and even possible rollover in spite of what the driver is doing.

The above table shows that small cars are also have a higher crash rate as the SUV’s . Although occupants of a large and possibly heavy vehicle may come off better in a collision, drivers of better handling vehicles might avoid being in collisions in the first place.

Ross and Wenzel found that SUVs are no safer for their drivers than cars. Popular midsize cars, minivans and import luxury cars have the safest records, while SUVs are about as risky as the average midsize or large car, and are no safer than many compact and subcompact models.

Other factors are obviously involved, such as driver behavior but the data shows up some interesting results for different-sized and different quality vehicles such as the Volkswagon Jetta, Toyota Avalon, Ford F-Series and Toyota Tacoma.

Measuring the combined risk, most cars are safer than SUVs, while pickup trucks are less safe than all other types of vehicle.

“It turns out that relatively inexpensive light cars do tend to be unsafe, but more expensive light cars are much safer, and are as safe as heavier cars and SUV models. In any event, the argument that lowering the weight of cars to achieve high fuel economy has resulted in excess deaths is unfounded. If designers pay careful attention to safety in vehicle design, smaller cars can be, and indeed have been, made as safe as larger ones,” said the researcher Marc Ross.

Remember safer vehicle gives you cheaper car insurance.

Auto insurance companies consider the safety of the vehicle and also the geographical data of crashes and analysis them to base thier auto insurance rates on them. The more safer a vehicle for a particular geographical location the better or lower the auto insurance rates. You need to consider the road condiitons, weather conditions of the geographical area you live in when your are selecting the vehicle to buy for cheaper car insruanece. Please also consider all the other factors as equally important like the driving skills of your teen and its best to guide them to be responsible. Cheaper car insurnace can be obtained just by getting teen auto insurance qutoe. 

 

Teen auto insurance

Teen auto insurance

Justin Biever : Thanks to your site, I got a cheap teen auto insurance quote , what should I do to get cheap teen auto insurance quotes in future also?

Getting a cheap teen auto insurance quote is easy, but maintaining cheap teen auto insurance is difficult

Response : Justin, I am glad that you found cheap car insurance quotes at this site. Yes, we have the assoication with the best afffiliates and they provide us with cheapest teen auto insurance quotes, however our other main purpose is to provide you valuable content on insurance and teen safety. Life is more valuable than money at the end of the day.

6 things that can stop you from getting cheap teen auto insurance quotes

1. Avoid speeding at all cost : You should not be speeding, since this is going to make you prone to a car accident. Besides you need to remember that if you do get traffic tickets also for speeding, your teen auto insurance quotes or teen auto insurance rate is going to increase tremendously.

2. Drunk driving is a defeinete – NO- No. Holy cow, this is no BS but being caught drunk driving or a dui conviction is going to get you a high auto insurance quote for not less than 10 years. You will bid goodbye to cheap teen auto insurance quotes or cheap car insurance for a decade!

3. Text messaging or talking on a cellphone is another major reason for teen auto crashes and deaths. Though text messaging and cellphones have been banned whilst driving in most states the teens admit to still doing this. Please check out my article on “Ophra and distracted driving” to see what distracted driving can lead too. It is best to avoid this.

4. Not wearing seat-belt: This is another big issue for teen driving that teens like to avoid wearing a seat belt. The seat belt is one of the best protection device that has been fixed in the car, especially since the speed limits allowed are high and so wearing a speed belt helps you in stopping your own momentumn in a moving car when the car suddenly collides and can be life savers.

5. Refrain from distracted driving or driving when you are tired. The reflexes are very poor when you are sleepy and driving requires high alertness. Also distracted driving or trying to put on music or talking to friends has been found to be a cause for higher teen car accidents. You need concentration and attention on the road when you are driving.

6. Breaking the traffic rules : It is true that even the traffic police are more vigilant when they see teen drivers and so its best not to break the traffic rules. Any violation of the traffic rules is going to affect your driving record and a clean driving record is the key to your cheap teen auto insurance.

Do not take all the above 6 things as some BS advice, but this is the truth and reality of getting cheap teen auto insurance.

You can maintain cheap teen auto insurance quotes/

Teens are persons who accept challenges and am sure you can accept the challenge of getting cheap teen auto insurance quotes and maintain cheap teen auto insurance quotes. Teens are never to be taken lightly.

Thnaks.
Kamlesh

Teen auto insurance