Howie: Thanks for your information on speeding tickets. I am glad that I can still get cheap car insurance, if my offence is not continous.

Speeding tickets and cheap car insurance

Response : Howie, we were discussing the cost of the speeding ticket. Today, let me discuss something which has recently come to light and that is the fact that your speeding ticket can cost you your job also. In case you are driving for your employer and your job involves driving than you will have to be careful how carefully you drive. Your driving history is not only important for the insurance company and for you to get cheap car insurance rates, it is also important for you to maintain your job.

Insurance companies are not only deciding on your insurance but are also deciding indirectly if you can be employed. When the employer goes to insurer you, the insurance company may deny your insurance or charge a high premium if your driving record is bad and thus your employer may decide not to give you your job. This is something the young drivers have to keep in mind.

Insurance companies are considering your driving record in great details and this is becoming a deciding factor of rating. The more driving activity a person has the more likelihood of an accident or getting involved in an offence like speeding. Secondly, your driving history is important whether you are driving your own car, your company’s car or your friend’s car.

The employers are also becoming more careful if you are driving the company’s car and have a bad driving record, since the liability which the company can get might be higher than the coverage that they have taken on the policy.

Young drivers, teens or college student should always remember that cheap auto insurance is not the only thing for what you need to keep a good driving record but it is going to affect your job also. If you want to have a cheap car insurance premium and if you want to make sure that you have a job in the future it would be important for you to have a good driving record. Good driving history would give you cheap car insurance – guaranteed.

Edward Furlary : I have two teens a boy and a girl and I am very anxious of their safety while driving and keeping them safe besides the low insurance. I try to teach them driving, is this fine?

Response : Edward, this is absolutely fine and the right thing. Let me tell you the results of an experiment done by State Farm which shows that :

“Compared with teens whose parents were uninvolved, kids who said their parents set clear rules and monitored their whereabouts without being overly controlling had half as many crashes and much better driving habits.

These teens were 71 percent less likely to drive while drunk and 30 percent less likely to use a cell phone while driving than kids with uninvolved parents.

Dr. Niranjan Karnik, a University of Chicago specialist in adolescent mental health, said the research underscores the importance of appropriate parenting and widely enacted graduated licensing laws for teens.

Debby Hendricks of Hatfield, Pa. made her daughters wait until age 17 to get their licenses, and gave them lots of driving practice beforehand.

The girls, aged 17 and 19, also share a family car, and can’t “just grab the keys and leave” without saying where they’re going and with whom, Hendricks said.

So far so good — neither girl has been in an accident, although the younger one, Leslie, has only had her license for a few months.

Leslie considers herself a safe driver, but adds, “I probably do underestimate the risks.”

Parents are requested to spend sometime with their teenagers in teaching them safety, young drivers need to be careful and establish a good record for teen auto insurance quote.

Edward, you are doing a great job. You are making sure that your teens are safe and also that they get cheap teen auto insurance quote. Enjoy your experince with us. It’s wonderful sharing things.