car insurance and text driving

Auto insurance news :
Auto insurance news : Texting and driving, ban cellphone use when driving ? Missouri tragedy raises questions on teen safety and teen car insurance. Raises questions on US transportation decision.

U.S. Transportation Secretary Ray LaHood said he won’t back a proposal to prohibit drivers from talking on cellphones, even hands-free devices, giving a boost to car makers and mobile-phone companies that stand to lose if regulators impose a ban.

Do you agree with this as a teenager, student driver or even an adult after knowing about the Missouri news? Today, lets forget about getting cheap car insurance or cheap teen car insurance the consequences of this on car insurance rates, since obviously some or the other insurance company is going to bear the brunt for paying auto insurance claims… high amounts, which is going to increase the car insurance rates for young drivers or teen auto insurance- since the accident below is going to be put under this age group. Lets focus on should talking on cellphone be banned since this is also a distraction?

Here is the incident :

WASHINGTON (AP) — A texting pickup truck driver who caused a deadly highway pileup in Missouri last year has federal accident investigators taking a hard look at the use of distracting devices behind the wheel.

The National Transportation Safety Board will lay out information gathered in its investigation over the past year and a half at a meeting Tuesday to decide the cause of the accident and make safety recommendations.

The board says a 19-year-old driver was texting just before his pickup crashed into the back of a tractor truck, beginning a chain collision. The pickup was rear-ended by a school bus, which in turn was rammed by a second school bus.

The pickup driver and a 15-year-old student on one of the school buses were killed. Thirty-eight other people were injured in the Aug. 5, 2010, accident near Gray Summit, Mo.

Nearly 50 students, mostly members of a high school band from St. James, Mo., were on the buses heading to the Six Flags St. Louis amusement park.

Investigators are seeing texting, cell phone calls and other distracting behavior by operators in accidents across all modes of transportation with increasing frequency, NTSB Chairman Deborah Hersman said. It has become routine for investigators to immediately request the preservation of cell phone and texting records when they launch an investigation, she said.

In the last few years the board has investigated a commuter rail accident that killed 25 people in California in which the train engineer was texting; a marine accident in Philadelphia in which a tugboat pilot was talking on his cellphone and using a laptop; and a Northwest Airlines flight that flew more than 100 miles past its destination because both pilots were working on their laptops.

“This is trending very hot and it’s a growing concern for the NTSB,” Hersman told The Associated Press.

The board has previously recommended bans on texting and cell phone use by commercial truck and bus drivers and beginning drivers, but it has stopped short of calling for a ban on the use of the devices by adults behind the wheel of passenger cars.

The problem of texting while driving is getting worse despite a rush by states to ban the practice, Transportation Secretary Ray LaHood said last week. In November, Pennsylvania became the 35th state to forbid texting while driving.

About two out of 10 American drivers overall — and half of drivers between 21 and 24 — say they’ve thumbed messages or emailed from the driver’s seat, according to a survey of more than 6,000 drivers by the National Highway Traffic Safety Administration.

And what’s more, many drivers don’t think it’s dangerous when they do it — only when others do, the survey found.

At any given moment last year on America’s streets and highways, nearly 1 in every 100 car drivers was texting, emailing, surfing the Web or otherwise using a handheld electronic device, the safety administration said. And those activities spiked 50 percent over the previous year.

The agency takes an annual snapshot of drivers’ behavior behind the wheel by staking out intersections to count people using cellphones and other devices, as well as other distracting behavior.

Teen car insurance and distraction
What is important is any distraction is dangerous for new drviers, teen drivers or student drivers since the lack of expereience would slow down the reflexes. Teen safety is in danger and teen car insurance would be high.

Would appreciate your views and comments on whether cellphones should be banned when driving- not to use at all – you would not text or talk?

Stay safe and have a safe and Merry Christmas.
Kamlesh

car insurance who pays more? Female or male?

As parents, it must have kept you think why these guys with the skyrocketing insurance rates hammered are. -That is why insurance about the potential risks to determine. Get it done, several factors insurers use to to come up with these prices. Car insurance, the driver is itself the key factor. Accidents, which parallel like they eligible for insurance benefits and insurance companies not very much.

According to the mentioned criteria insurers combined driver according to their age, where the 16-year old drivers naturally fall as vulnerable driver. It would not matter if it is a boy or a girl.;Allstate review ;done recently shows that girls are also involved in reckless driving and drunk driving. They are involved more in texting or distracted driving getting dressed in the car mirror- Makeup! Girlsl have started catching up with boys and female drivers are paying a higher car insurance rates or premium if you consider the mileage they drive and the premium they pay.

Why teen car insurance are higher?

 Of course is the main reason the lack of driving experience. Would you trust, and he just someone to take his license a month ago? I am not. In addition, male and female drivers have the highest recorded events of car accidents. This could be due to their nature of is easily distracted and their raging hormones that affect their driving behavior.  I remember the days when we were racing from a busy city street in 95 miles per hour. Undoubtedly, the adrenaline rush was pure. But look at it today, I realized, as I am stupid and a wrong move could kill me or the other riders – have worst incompetent. Jung is careless, free from fear and invincible, what I think, terribly if taken up on the road.

For those who are looking to find low-cost insurance, here’s good news for you. It is difficult, to change your status as a high-risk driver, there are some things that you scratch you can do some hundred dollars bills.

The type of vehicle, with the car

Allow you can not, your teenage son sports car that could drive you? Obviously, with a blind man trying to land a plane compared wait for a disaster happen. Car insurers know, and if you insist, premiums may double or tripled. Go 4-door sedan for the family car and save hundreds of dollars.

Shopping

Shopping is no longer limited to food; and if you want to save insurance, you go shopping. You do this by going to comparison sites and application to multiple insurance quotes from other insurers. On the basis for companies specialising in teen auto insurance. Sometimes, there is a need to switch to a new company. If you think that there is value, then go for it.

Good grades, you can reduce premiums.

Bonuses are given usually students with good grades. Students who qualified by at least an average of b or higher for this program. Insurer regarded them as responsible students and therefore careful on the road. This could reduce as much as 10% on the rate alone.

Driver’s education program

There is no good substitute for participation in a driving lesson. Insurers would gladly give those discounts, visited their teachings by the, which are not. Thinking that the insurance is all about risk and reduce this risk, you down prices to.

With our current insurance legislation have to pay young people always higher premiums. The only, what, the we can hope to be found at the lowest possible price with the best coverage. Encourage your teen to become a responsible rider.

Remember your driving record is going to decide the car insurance rates- whether male or female you would pay higher car insurance rates or auto insurance premiums if your driving record is bad or poor.

insurance car

Teen auto insurance quotes mistakes.
The bad news: You have a teenager eager, get behind the wheel – and the last RateWatch data show that adding a teen of driver to your auto insurance costs about $2,000 per year on average.

The good news: Car insurance prices come, this is the right time to shop for policy savings. It can also reduce costs, if you to manage

Avoid some of these common

Did you know that a “model student” take less than 10-15% discount on the price of your car insurance discount? You can now. Some parents pay for their children to a B average or better; This discount will pay your children you have instead.All of these security features get auto insurance discounts right,? You could, but a new car – for you it will cost more, and to assure your teen. Find a safe, used car and save car payments and Versicherung.Lassen you the driving school to do it. Parents right? I mean, that’s why you pay the money! Not so. No matter what by law requires your the more time you car teaching your teenager to go, the better.Part of that increase is a child, she had responsibility to assume, so there is no reason to impose limits. Well, not exactly. Even if your city a curfew for teen drivers, you should be there. Statistics show that deaths from 21 to 06 driving teenager rise dramatically. And if you forget your own youth, you will agree that there is no reason for young people to plan travel to 9-10 Uhr.Die accidents is the most common cause of teen driver distraction – either out of friends is a car or a mobile phone, the blowing up. It is even worse with loud music, texting and taking pictures with a Handy.Es to say that the law is on your teen with optional. If your child is a ticket, restricting access to the car. If something seriously – such as a DUI – take it their driving Privilegien.Ein low deductible means that you will be auto insurance pay more if it an accident. Lift it, and you could get much done your premium. Collision coverage on your teen auto delete can save money as well. Keep in mind that must you pay more for repairs in either case, to calculate your savings before switching.(Just kidding).If you saw error number two and thought that you can avoid it by one your teen are an older, compact car, you are probably wrong. If there is no safe car, discounts will qualify you for security.Well, I lied. That’s right; I said it: I have lied. I leave you a little secret: there are probably way more than nine or even ten! But do you know the biggest one of all? (Drum roll, please.) Not shopping around to compare prices! Insurance.com data shows that add average difference between the highest offer for teenagers and is the lowest bid of $2,000 per year. Compare car insurance prices failed can be a very expensive mistake.

Are you looking for different information? Do you have any questions or suggestions? Let us know.

Get cheap car insurance with careful driving.

 

Myth - Red car has higher teen insurance rate- no distracted driving is the cause

 

Cheap car insurance or teen auto safety?

 

Cheap car insurance or cheap throwing away of life

Safety or cheap teen auto insurance?

Must read and see the pictures…this is reality!

Why blame teen auto insurance to be high?

This is a message which I got on my email and was asked to pass around. I feel strongly on teen safety and youth safety and this is one main reason, I write and write so that some one somewhere benefits….my way of contributing. This is excatly, what I want to pass on the message of Safety and this is a true fact, no stories…

“The Honda crotch rocket rider was traveling at approximately 85 mph. The VW driver was talking on a cell phone when she pulled out from a side street, apparently not seeing the motorcycle. The rider’s reaction time was not sufficient enough to avoid this accident.

The car had two passengers and the bike rider was found INSIDE the car with them. The Volkswagen actually flipped over from the force of impact and landed 20 feet from where the collision took place.

All three involved (two in the car and the bike rider) were killed instantly. This graphic demonstration was placed at the Motorcycle Fair by the Police and Road Safety Department..
Pass this on to car drivers or soon to be new drivers, or new motorcycle owners AND ESPECIALLY EVERYONE YOU KNOW WHO HAS A CELL PHONE!!!!!
A picture is worth a thousand words.

Save a life…

Stop talking on Cell phones and Texting while trying to drive. The life you save may be your own….. or mine… Teenagers are more prone to this so explain to them that distraction should be avoided to get cheap teen auto insurance and save lives.

Keep passing this link to all your friends and family so that they are safe and sound with us…….. we need and love them all. This is our homage to the dear departed souls.

Ensure that you bass it to all and we together succeed to get teen and young drivers safety and cheap

teen auto insurance

Thanks.
Kamlesh.

Getting cheap teen auto insurance for girls will be difficult

Response :As per the recent insurance companies reviews and the surveys carried out it has been established that the girls are becoming more aggressive drivers. “ In a survey of teenage drivers, Allstate Insurance found that 48% of girls said they were likely to drive 10 mph over the speed limit. By comparison, 36% of the boys admitted speeding. Of the girls, 16% characterized their own driving as aggressive, up from 9% in 2005. And just more than half of the girls said they were likely to drive while talking on a phone or texting, compared with 38% of the boys.

The reality is that the girls are more likely to indulge in talking on the phone, getting distracted whilst driving. One of the nation’s largest insurance companies says that its auto coverage premiums for teenage boys are about 40% higher than for girls. In 1985, that gap was about 60%, says Vicki Harper, a spokeswoman for State Farm, which has more than 42 million auto policies. Most girls still get a break on premiums, she says, but “their premium rates reflect there isn’t as much of a difference as the rate for a teenage boy.”

Presently the comparisons for two hypothetical 19 year drivers show that the gap between the girls and boys premium is becoming less – for 6 months full coverage including a speeding ticket in last 3 years the difference is only $311/-, which is very marginal.
It is time for you to start educating the girls also on better driving habits and to avoid speeding if you are looking for cheap teen auto insurance quotes. Yes, compare teen auto insurance quotes and get cheap car insurances, however teen safety is another factor that you need to keep in mind.

Texting Takes Over As Bad Driver Behavior

Teen auto insurance quotes- auto accidents

The above picture of the accident whose details are given here. My girl friend wasn’t PAYING ATTENTION TO HER DRIVING WHEN IT HAPPENED… SHE WAS PUTTING A CELL PHONE COVER ON HER CELL PHONE. (LIKE SHE NEEDED ANOTHER…) BANG! SHE CROSS’D THE LINE & HIT AN Audi TT IN KINGSPORT, TN, ON HER WAY BACK FROM THE MALL.

The car rolled one-and-a-half times in MID-AIR, & THEN IT LAND’D ON IT’S TOP before flipping over ON IT’S WHEELS FROM HITTING A HUGE ROCK. MICHELLE WASN’T HURT… JUST SHAKEN…

Don’t get me wrong, I was mad, but, unlike most boyfriends, I told her that is was just a car the main thing was that she wasn’t hurt.
Josh

Response : Text messaging is certainly considered bad driving.

Do you think that you also can give cheap teen auto insurance quotes to a driver who is not able to control the car, as show above? I am sure, you will agree that this is not possible. Yes, refrain from text messaging and driving and ensure that you get cheap teen auto insurance quotes.

Given below is data on text messaging.
Texting has caused fatal accidents, lead to imprisonment and also been considered as high auto insurance or distracted driving,Texting on cell phones is now considered an even more serious problem than talking on a cell phone, because it requires looking down at the message the sender is creating while moving fingers that should be on the steering wheel. In addition to not looking where they are going, text message senders are usually focused on their message – not on their driving. Experts tell us that taking your eyes off the road for even one to two seconds can make the difference between avoiding a crash and causing one.
Texting is a particularly serious concern because while 20 percent of drivers admit to texting, when you look at drivers in the age 18-24 year old category, 66 percent are sending or receiving text messages while driving. Add the distraction of text messaging to young driver inexperience and you’ve got a particularly lethal combination.

Currently only a few states outlaw texting while driving, fewer than those that prohibit talking on cell phones when driving, but more states are looking at making it illegal in the wake of a series of spectacular crashes with deadly results.

There’s no doubt having a cell phone with you when you travel is a great resource to use in calling for help or reporting trouble on the road. But whether you use a handheld phone or a hands free device, researchers and safety specialists agree that the only really safe way to use your phone – whether to call or to text message – is to safely pull off the road, stop and then make your call.

Be careful when driving, Stay safe and get your cheap teen auto insurance quote- here.

Response; Mike, the latest news for college student auto insurance distracted driving do not apply only for college student auto insurance but are applicable for all and will go a long way in giving cheap car insurance qutoes for all since the auto accidents will be reduced.

As per the latest news ;” Illinois, Kansas, New Hampshire and Oregon will bring in the new year with new state laws aimed at cracking down on distracted driving, according to the Property Casualty Insurers Association of America (PCI).

Of the four states with stronger laws regarding cell phone use and texting that take effect Jan. 1, 2010, Oregon goes the farthest by banning the use of hand held devices and texting for all drivers. The new law in Oregon also prohibits people under age 18 from using any type of cell phone while driving.

Illinois is placing new restrictions on hand held devices and bans their use in construction and school zones.

Kansas is implementing a ban on all cell phone use and texting for young drivers who have learner’s permits and intermediate licenses.

New Hampshire is banning texting for all drivers.

“These four states are joining a growing number states and localities that are implementing or strengthening restrictions on cell phone use and texting,” said Robert Passmore, senior director of personal lines for PCI. “In 2009, 17 states implemented or strengthened cell phone and texting laws.”

The National Highway Traffic Safety Administration reports that nearly 6,000 people died in 2008 in crashes involving a distracted or inattentive driver, and more than half a million were injured. Research also shows that the worst offenders are the youngest and least experienced drivers: men and women under 20 years of age.

According to the Insurance Institute for Highway Safety, there are statewide bans on driving while talking on a hand-held cell phone in seven states (California, Connecticut, New Jersey, New York, Oregon, Utah, and Washington) and the District of Columbia.

The use of all cell phones by novice drivers is restricted in 21 states and the District of Columbia.

Text messaging is banned for all drivers in 19 states and the District of Columbia. In addition, novice drivers are banned from texting in nine states (Delaware, Indiana, Kansas, Maine, Mississippi, Missouri, Nebraska, Texas, and West Virginia)”

Let me assure you that these regulations might seem a bit harsh on all, but these will definetly help in reducing the accidents and preventing fatal losses. This will certainly result in saving life and property and getting you cheap car insurance or cheap auto insurance.

Happy 2010 to one and all.
Thanks.
Kamlesh

Response: This is an act which is being discussed to be implemented in USA. Pushing its way through Senate is The Alert Drivers Act (“Avoiding Life-Endangering and Reckless Texting by Driver’s Act”), a bill which may bear potential positive effects on insurance on autos that are driven safely. The act will require all states to ban texting on cell phones and all other mobile communication devices. Currently, 14 states have a texting ban in place, while 11 states have modified plans. Washington, for example, has recently enacted the RCW 46 61 668, which makes texting while driving a secondary offense.

The teen auto insurance rates would be reduced to a great extent if the under 21 become alert drivers.A driver’s history is one of the biggest determining factors of their insurance premiums. Drivers abide safety laws are automatically at a greater advantage, as their driving records are free of any misdemeanors that at could drive up car insurance costs. With an increased focused on cell phone usage, adhering to regulations outlined in the proposed Alert Drivers Act could result in more affordable insurance for cars that are driven safely.

If the Alert Driver’s Act is passed, states must then adopt these guidelines or forfeit 25% of highway financing. States would be given two years to comply with these guidelines before the government considers pulling financing.

When Senator Chuck Schumer introduced the act, he felt that it would encounter few problems when being reviewed by Senate. Citing a study by Car and Driver Magazine, which found that texting while driving is more dangerous than drunk driving, Schumer believes that it would be irresponsible to let this bill slip through their fingers.

Manufacturers are equipping cars with more handheld devices than ever, a fact which is contributing to the increasing rate of driver distractions. According to the Insurance Institute for Highway Safety, drivers using cell phone are four times more likely to be involved in a car crash that is serious enough to injure themselves and their passengers. 80% of all car accidents and 65% of near-misses are due occur, in part, to driver distraction, the most popular form of which is mobile phone usage (both texting and calling).

Thus the teen driver should learn to obey the traffic rules if they want to maintain cheap teen auto insurance rates.

Response: Christen, ban on text messages would help in getting cheap teen auto insurances since prevention of accidents would lead to better driving history and thus cheap auto insurance quote.

I understand this concern and especially for teenagers who are used to the mordern gadets. Text messaging whilst driving has caused a lot of fatal accidents since text messaging is one of the second highest reason fro auto insurance claims and accidents other than speeding.

Auto insurance rates are affected and it is difficult to get cheap teen auto insurance if one is driving with distractions, text messaging being one is because you are more likely to get involved in an accident. Once you have an accident than you are going to have an auto insurance claim, which will push up your auto insurance rate and will prevent you from getting cheap teen auto insurance quote.

Here are some of the reaosns why the different states have brought in the law banning text messaging whilst driving.

Insurance is based on data and auto insurance is based not only on the data but also on the fact that this would affect human life’s and hence risk prevention and control is more important for this than other areas of insurance. Save your life and others.

The Transportation Department was bringing together experts over two days for what it’s calling a “distracted driving summit” to take a hard look at the highway hazards caused by drivers talking on cell phones or texting from behind the wheel.
Secretary Ray LaHood was expected to offer recommendations today that could lead to new restrictions on using the devices while driving.

LaHood said the administration would “work with Congress” to develop ways of curbing distracted driving. The meeting would solicit ideas to address the problem “similar to what went on with seat belts and (blood-alcohol limits of) 0.08 where you really educate the public, where you tell people that they have to take personal responsibility for these things.
Hours before the start of the meeting, Transportation officials said in a research report that 5,870 people were killed and 515,000 were injured last year in crashes where at least one form of driver distraction was reported. Driver distraction was involved in 16 percent of all fatal crashes in 2008.
The panel of government officials, safety advocates, researchers and lawmakers hoped to develop a consensus on the roadway hazards and hear warnings from young adults who caused car accidents because they were texting while driving.
The new data underscored the major problem of distractions involving young drivers. The greatest proportion of distracted drivers were those age 20 and under. Sixteen percent of all under-20 drivers involved in fatal crashes were reported to have been distracted while driving, the government said.
CTIA also supports a ban on texting while driving but has argued that education and enforcement are critical to changing driver behavior. CTIA and the National Safety Council announced plans for public service announcements warning teen drivers of the dangers of distracted driving.
Please be informed, aware and undistracted whilst driving. You and your life is precious. Save your life and aim for cheap auto insurance.

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