Teen auto insurance

What is an issue for young drivers, which prevents them from getting cheap teen auto insurance?

Young drivers and teens are complaining about high teen auto insurance quotes or the teen car insurance rates. However, added to all the other issues is the issue of drinking and driving? Not only is drinking a prevalent problem among youth, but many of those who drink also drive after drinking.

A projected increase in the population of American youth may result in an increase in underage drinking and impaired driving. The U.S. Census Bureau estimates that in the year 2000, the population of 15- to 20-year-olds will be 23.9 million, an increase of almost 2 million from 1996. The youth population is expected to increase by almost 14 percent by the year 2005 NHTSA

Fifteen percent of students in grades 9–12 (ages 15–18) surveyed in 1995 reported driving after drinking during the month before being surveyed, and more than one-third reported riding with a driver who had been drinking (Centers for Disease Control and Prevention 1996).

Why are young drivers at a greater risk of getting involved in fatal car accidents which is responsible for high teen auto insurance quotes?

The main reasons for young drivers getting invloved in auto accidents are :
1) Young drivers or teens or college students lack in experience in driving.
2) They are less experienced drivers and cannot cope with situations which require quick judgment and decision making.
3) The lack of judgment and reaction becomes more pronounced when the young drivers are drunk.
4) Young drivers are not responsible and hence they would indulge in drunk driving more than adults.
5) When young drivers do drink and drive, they are more vulnerable than adults to the effects of alcohol on driving ability. Did you know that with each 0.02 increase in BAC your risk of being involved in a fatal crash is nearly doubled.
6) For drivers ages 16–20, the risk of a fatal crash increases even more with each 0.02 percent rise in BAC (Mayhew et al. 1986; Zador 1991; NIAAA 1996a). The estimated crash risk for male drivers ages 16–20 is at least three times higher than the risk for male drivers age 25 and older at all BAC levels (Zador 1991). As per the latest survey from Allstate young girls are also catching up on this trend.

How to resolve the issue of getting cheap teen auto insurance or cheap car insurance for young drivers

We have already discussed the steps to get cheap teen auto insurance in a number of our blog post. Today we will specifically discuss this in relation to getting cheap teen auto insurance for teenage or young drivers who are prone to drunk driving.
First, compare teen car insurance quotes or teen auto insurance quotes. You do not have to pay to compare teen car insurance and it takes only minutes.

Get an ignition steering lock installed on the wheel so that the young driver does not indulge in drunk driving.

Nissan has a breath testing machine installed in certain cars, which will lock the car if the driver is drunk- you can get the same for the young driver.

Recently a system has been introduced where the car prevents drunk driving- I am sure you would appreciate this, rather than having your teen injured.

The best is to educate your teen in safe driving and staying away from drunk driving so that they do not indulge in drunk driving. A responsible young driver is the safest way to get cheap teen car insurance and have teen safety.

Summary : Understand why teen auto insurance is high or why young drivers are not getting cheap car insurane, resolve the issue which prevents them from getting cheap car insurance and get your cheap teen auto insurance quote and teen safety both.

Teen auto insurance

Teen auto insurance

cole porter : How do I obtain cheap teen auto insurance quotes? I am looking for cheap car insurance for my teenager who is a young driver.

< h1> How to obtain cheap teen auto insurance quotes, or cheap car insurance- easy steps

Response : Cole, please refer to cheap teen auto insurance part I and getting cheap car insurance part II. Cheap teen auto insurance Part I informs you on the steps you should take to train your young driver or teen to develop good drving skills and habits since this is the first thing that will help them get cheap teen atuo insurance.

In cheap car insurance part II, we have discussed in detail the make and model of the vehilce, including how the vehicle is important in helping you get cheap car insurance.

Another point I would like to emphasis here is that you need to remember that most of the points discussed for getting cheap car insurance are not only relevant for young drivers or teens but also appplicable to any drivers in general for obtaining cheap car insurance.

Getting auto insurance in your own name and adding the young driver as an add on driver

The young driver or the teenager is not an experieinced driver and does not enjoy a driving record. Hence if the car insurance is bought in the name of the driver as the primary driver the auto insurance quote is going to be based on the claim expereince of this age group which unfortunately is adverse. Hence it would be best to buy the car in your own name of either of the parents name and add the young driver on your policy. This way the cost of auto insurance is reduced by 50% , cheap car insurance

What is more important is that you would be able to ensure teen safety also, since the car would be in your name and you would be able to control the usage of the car. Besides this, it would also give you an opportunity to be a good role model for your teenager, since you would have to maintain good driving habits to get cheap car insurance. The young driver would learn the good practices from you without you having to force them on this.

Getting auto insurance discounts is a sure way to cheap car insurance

The other consideration is the auto insurance discounts that can be obtained which gives you cheap car insurance. We will focus and discuss the young drivers auto insurance discounts or student car insurance discounts which can be obtained mainly by young drivers in this case.
a) The first discount that is unique to student drivers or young drivers auto insurance discounts is the good student discount. This is also known as the good grades discount. Your teenager or the young driver needs to earn Grade B or over 2.5 points, however, the regulations for this discount and the percentage of discounts would be 10-20%. The key is to compare auto insurance, check out here if you so desire.
b) Graduated training discount or defensive driving : The other main discount which young drivers can obtain are the discounts for taking up a graducated driving courses or driving school to earn higher auto insurance discounts. Again the discount for this can be as high as 15%, however it would again differ from company to company.
c) The other auto insurance discounts that are also applicable for young drivers are Multiple Vehicle Discount, Multiple Line Discount, New Vehicle Safety Discount, Accident Free Discount, Anti-Theft Device Discount, Good Driving Discount and the most new discount is a discount for low mileage discount. Again the key is to compare auto insurance so that you can know what the other companies are paying.

Summary : Keeping in mind all the points of better driving habits and skills, vehicle makes, options for young drivers coverage and applicable auto insurance discounts, you certainly are gauranteed cheap teen auto insurance or cheap car insurance. All you need to do and take action is to get multiple quotes and select the cheapest car insurance quote. This is avaliable for you here for free. Just do it.

Thanks.
Happy driving and picking up your cheap teen auto insurance quote.
Kamlesh

Teen auto insurance

Teen auto insurance

Rihanna : How car parents help their teens get cheap teen auto insurance?

Parents play a crucial role in getting their teens cheap teen auto insurance

Response : Rihanna, this is continution of my part one “how parents can help their teens get cheap car insurance. Yes, once you have been able to teach your teen the driving school , more than 50% of the task of getting cheap teen car insurance or cheap teen auto insurance quotes is accomplished. Now comes the part of selecting the right vehicle.

Right choice of vehicle can get you cheap car insurance or cheap teen auto insurance and teen safety.

Rihanna, the most important part of the choice of car or vehicle or auto is going to play a more important role in helping your teen safety more than cheap teen auto insurance . As parents we all need to focus on the vehicle from the point of view of safety.

Believe me, for once, the general auto insurance company is with us and sharing the same interest since they are equally concerned of teen safety and preventing accidents, fatal crashes which are equally painful to them as us.

Most of us also focus on the value of the car rather than the safety features of the car. This is where we are wrong. It might be worth paying something extra for safety and getting cheap teen auto insurance for a number of years rather than trying to save money on the car now. The points we need to remember when we go for a choice of vehicle are :

Remember that bigger is safer : The law of physics is true that the bigger the vehicle and the heavier it is the safer it is. However, for a teen a mid=size car is more safer than a small one. Parents generally feel that they need to buy a small vehicle for their teen so that they cannot have a lot of friends with them and so they would be safer, but this is not true. A mid size car provides better protection than a small compact car in case of accidents. Please check on the related post of the blog on which vehicles are safe since the Insurance Institute for highway safety for top safety picks.

If you select a vehicle which is rated safe by the Insurance Institute for highway safety, you would get cheap teen auto insurance quotes.

Compare vehicles based on their performance , your teen needs and geographical area you reside in

You need to keep all these important points in mind and consideration when you decide on the vehicle. If you are living in an area which is an urban, high=traffic zone, it might be a good idea to select a smaller vehicle, for mileage parking and maneovur since this is going to help in getting less involved in accidents. If it is a mountain area like the rockies a heavy vehicle or a 4x vehicle would be more appropriate. Compare models for use and safety.

It is best to get a new car rather than an used car for teens. New cars get you cheap teen auto insurance rather than an used old car. New cars have all the advanced safety features. They are equiped with electronic stability control so that they donot roll over. SUV’s which are used do not have this.
Secondly, old cars may not have airbags and air brakes. Side air bags are also important to have in small cars.

Once you’ve narrowed your choices to a few makes and models, get car insurance quotes on those vehicles to learn which is cheapest to cover.

Vehicle with speed like sports car or hybrid cars do not give you cheap teen auto insurance and teen safety

Parents need to remember that hybrid vehicles are more expensive in cost and in terms of teen auto insurance. If you want cheap teen auto insurance than you must not select these vehicles for your teen. Secondly, the teen is a new driver and is less experieinced. The sports vehicles or hybrid vehicles pick up speed very fast and so the crash rates are higher.
Vehicles which have higher crash rates are more costly to insure and hence you must stay away from these vehicles if you want cheap teen auto insurance.

Make the right selection of the vehicle after all the above consideration. Vehicle make and type is going to decide the auto insurance rate. More important is the safety and utility of the vehicle also.

Please let me know your comments on this post, and stay tunned for the next part on how to get cheap teen auto insurance.

Thanks for your patients.
Kamlesh

Teen auto insurance

Teen auto insurance

How can parents help their teens get cheap car insurance quotes?

Response : Parents play the most important role for their teens in three big areas which would help their teens get cheap car insurance. It’s not the question of getting cheap teen auto insurance quotes but they are making a huge savings for them for life time.

What is even more important for parents to understand that the key to getting cheap car insurance is not in the hands of the general insurance companies, but in their own hands?

Here are three main areas which the parents need to focus on to get cheap car insurance quotes for their kids, yes and for themselves also.

Three key areas to focus on to get cheap car insurance quotes for your teens.

The three key areas or choices made by you would decide how rich you are going to make the insurance companies or yourself. I would be covering only one area in detail in each of my post since the information is very important and I do not want to overwhelm you. Let’s do it step by step so that we understand and implement the same.

Driving skill plays the most important part in getting cheap teen car insurance

As parents you play an important role in instilling the right driving skills. Of course if you are a good driver you and can are an excellent role model than this would be an added advantage for you and your teen driver. However, irrespective of this here are the ways you can help your teen develop excellent driving skills:

Graduated driving or a driving school : It is best to enroll your teen in a driving school and make sure that they complete the graduated driving course or attend the driving school. The professional will be able to teach your teen the road skills. Remember the principle that for skills you need to learn the basics the right way and master them so that you can become a pro at a skill.

The second thing parents should always keep in mind is to let the teenager practice driving skills. Practice, practise and practise a skill so that you can master it. Besides this with the changing and challenging weather conditions prevelant in North America it is necessary for the teenager to learn driving in all weather conditions. Conditions like the wet road, fog, snow, slippery icy roads……… the list is unending. The crash rates of teen drivers is higher since they are not experieince drivers. You need to let them have enough experience. Some provinces or states have atleast 50 hours of driving.

Driving challenges need to be introduced one at a time so that the teen driver learns to master the techniques instead of having an information load. Be with your teenager and take them on different roads and places so that they get a good experieince. You can let them drive alone without you in the seat beside them after you have accompanied them on the roads and they are familar with it.

Help is readily avaliable for parents and teens to know the rules and regulations of the traffic. This information can be obtained through insurance companies, AAA, Centers for Disease Control and some state departments of motor vehicles The contracts outline expectations for both teens and their parents. You and your teenager can learn the rules and regulations and obey them. Another recommonded site for the young driver is NOYS which teaches the youth about safety, not only driving safety but also safety from drugs and drinking. It is important for the youth to realize the dangers of drunk driving. It is important to understand and know that drunk driving is a sure way to high risk driver and bidding farewell to cheap car insurance quotes or cheap teen car insurance quotes.

Last but not least you need to be a good role model. You need to obey the rules and regulations of the road. You need to ensure that you are not an agressive driver, reckless driver, drunk driver or a distracted driver. Most of all be patient when you teach them the driving skills. Remeber that driving is a skill and not something to do with acedemic achievements. It is more a play of psychology and motor skills and not acemedic intellegence.

It is no rocket science that if you are able to teach your teenager driving skills than this is a sure road to cheap car insurance quotes not for today but for life time.

Get your cheap teen auto insurance quotes.

Stay tuned for Part II.

Teen auto insurance

Teen auto insurance

Ann Ward : I am buying a new car for your teen? Do you recommond gap insurance to close the gap of teen auto insurance.

Teen auto insurance is not sufficient for a new teen vehicle, get gap insurance also

We have discussed how to get cheap teen auto insurance or get cheap car insurance for your teen repeatedly. Most of you have taken the step of comparing teen auto insurance quotes here to grab your cheap teen auto insurance. Today we need to close the gap on the insurance so that you need not pay anything out of your pocket incase of a loss or a auto insurance claim. Gap insurance is very important when you are leasing a vehicle, which the leaser would ensure that you buy but also very important and a life saver when you buy the car on a small down payment.

What is gap insurance?

Gap insurance like the name implies is the gap between what the insurance company pays you if your vehicle is stolen or totaled and what you owe the financial company.

Let us consider an example that you bought a Toyota vehicle for $30,000. You begin with making payments of $500/- a month based on 4 percent interest. Your teen gets involved in a car accident and the car is completely destroyed or totaled by the insurance company. When the insurance company finally settles your claim fro total loss they offer you $23,000 considering that this is the market value of the car. On the other hand the financial company comes up with an outstanding of 32,000 considering the interest portion. Gap insurance will pay the difference of $9000 for you. This is when gap insurance will sound like a big savior for you.

Tips on buying gap insurance. Blend gap insurance with teen auto insurance and you are safe.

It is clear to you with the example that gap insurance is required to compliment teen auto insurance. Here are some points to focus on and to keep in mind when you are purchasing gap insurance :

· You can buy gap insurance at any point of time, even after the lease is done and you have missed buying it initially.

· All the terms of the lease must be followed in order to qualify for gap insurance.

· You must have a collision and comprehensive coverage to have gap insurance and though most of the lease companies make it compulsory for you to have this coverage, you need to buy this if you have bought your own car.

Please shop around for a gap insurance policy and review car insurance coverage to verify that you have all the required coverage to qualify for gap insurance. You can get your auto warranty here, now. Check it out.

Thanks.

Teen auto insurance