Lebron James : What are speed traps? Is teen auto insurance rating based on speeding?

Teen auto insurance and speeding

Response : A speed trap is a section of highway or road along which traffic laws are heavily enforced. Most of the times speed traps are located in areas where motorists tend to speed, for example because the area is a straightaway or has a downhill incline. In some cases, law enforcement may decide to set up a speed trap in an area where there have been numerous traffic accidents. A police officer will park next to the speed trap and radar traffic to apprehend speeders.

Speed traps are typically set up in areas that include downhill inclines, areas where the speed limit changes, or locations such as schools and playgrounds. As locals frequent those areas and become familiar with their locations, in certain instances the offender will be a driver who is not from that area, or out of town.

Now the teen drivers who are new to driving basically like to speed and so would not be paying much attention to the speed limits or the speed traps or the police who is watching the action and hence would be caught.

Basically the teen auto insurance rate is higher and when you have speeding tickets your teen auto insurance rate would shoot up. What is more suprising and disturbing is the fact that now a days the teenage girls are also prone to speeding. This speeding is a thrill for the time being and can prove to be a dreaded mistake which will haunt you in terms of a bad driving record and high teen auto insurance quotes. Do you want to commit this mistake and be earmarked as high risk drivers?

Stop speeding and get your cheap car insurance rate now and always from here.
Thanks.
Kamlesh

Nathan Anderson : What is the relationship between speeding tickets and auto insurance quotes? I feel that teenagers are become the victim of speeding tickets and high teen auto insurance quotes? Let me know something about the speed laws.

Speeding Tickets and auto insurance : Teen auto insurance quotes.

Response : Teenagers or young drivers normally very prone to speeding since they are young and do not have much responsiblity. This is also one of the reasons why the teen auto insurance quotes are higher than any other drivers, although they might not have a bad driving record.

Auto insurance rates are based on the data and statistical facts that are gathered by the insurance industry through its various sources and it has been found that teenagers each year over 5,000 teens ages 16 to 20 Die due to Fatal injuries caused Car accidents. About 400,000 drivers age 16 to 20 will be seriously injured. Of Male drivers killed between 15 and 20 years of age 38% were speeding. Now whenever there are high fatalities in an auto accidents the cost of the auot insurance claim is higher. One of the main factor on which the insurance company base their rate is the cost claims and expenses to them. Now, if a person is speeding than it is more likely that the person would speed again and the chances of accident increases- which is considered high risk or high hazzard as per the insurance termilogy. Now, I am sure you must have understood the relationship between speeding tickets and auto insurance quotes, especially teen auto insurance.

Basically, I am a pro at insurance and not traffic laws but here is some basic information. Speed laws in the US state that drivers should travel at a rate of speed which is consistent with present driving conditions. The basic speed law is not meant to replace posted speed limits, but merely to reflect the fact that safe rates of speed change depending on driving conditions. Basic speed law requests that motorists use good common sense under present driving conditions, in addition to the posted speed limits.

If you are speeding above a certain limit than you would certainly be charged for speeding.

Thanks.
Kamlesh

Ross Goldberg : I am looking for the best car insurance rates from the general auto insurance companies, especially for young drivers who are aggressive. Information on why agressive driving is rated higher by the general auto insurance companies would be appreciated?

Best car insurance rates from general auto insurance companies.

Response : February is denoted as Aggressive Driving Month and is a time when all efforts are made to spread the awareness and dangers of aggressive driving, especially to the young drivers.

What exactly is aggressive driving? The list as to what encompasses to be part of aggressive driving is endless. Aggressive driving is speeding. It is operating the vehicle in an erratic, reckless, careless, or negligent manner or suddenly changing speeds or changing lanes all of a sudden. The aggressive driver fails to yield right of way, obey traffic signs, traffic control devices or safety zone traffic laws. They also fail to observe warnings or instructions on vehicle displaying them. In short aggressive driving is driving in such a way that you are the sole driver on the road and not caring about others on the road.

Many general insurance companies like Cure auto insurance, Liberty insurance,Progressive insurance are taking steps to reduce aggressive driving.

Aggressive driving certainly, would lead to accidents whether it is you or another driver who is aggressive. You need to ensure that you are not an aggressive driver, since this way you will stay away from accidents, your driving history will imporve and you would qualify for the best car insurance rates for young drivers. Get your comparitive auto insurance quote today.

Thanks.
Happy Motoring.
Kamlesh.

Steve Iser :I want to have a sports car? Will I be categorize as high risk. How can I lover my risk since I am also a teenager.

Cheap car insurance for young drivers, teenagers for sports car. Response : Even if you have a clean driving record, and have never broken any traffic laws, they would still consider you as high risk just because of your sports car. You have a second reason for being categorised as high risk since you are a young driver. Is this fair? Nothing is fair when you see your high risk auto insurance rates increasing continuously and there seems to be no other way of getting around it. Fortunately, there are still ways to lower them and enjoy your auto policy or coverage just like any other car or vehicle owner. Here are some of these reminders:
1.Search for a company or provider that specializes in high risk auto insurance or speciality insurances. There are several insurers which understand your situation as a high risk driver and offer cheaper auto policies than usual companies do. When you get insurance make sure that they offer specialized packages for you to save a few hundred dollars on monthly premiums. However, looking for such companies is a little difficult, good thing the Internet is there to provide assistance. Using quoting and comparison websites, you can contact them and evaluate whether they would be the best insurer for you.
2.Join a sports car organization or club. Most insurance companies offer great discounts to clients that are members of popular and recognized sports car clubs or organizations. Other associations such as employee groups and labor organizations may also be recognized by insurers. Even the mere possession of credit cards issued by well-known banks can give you surprising offers. Try them now.
3.Do not forget to ask for discounts. If you want to save a lot of money in your high risk auto insurance, always ask for discounts where you may be qualified. They will never know what you need unless you inform them. Some factors that are usually eligible for discounts include low mileage, safety features, defensive driving courses and anti-theft devices.
4.Purchase multiple policies from one company. If you need other kinds of insurance such as home, health, or life insurance, try to purchase them together with your auto policy from the same insurer. Aside from saving a substantial amount of money, you also get to pay your bills easier.
Cheap high risk auto insurance is available in the market. Shop online and look up for a quote at teenautoinsquote.com You will not be dissapppointed.
Thanks.
Kamlesh

Paul Colligan : I am looking for tips to get cheap car insurance for my son a young driver of under 21. Your expert views will be appreciated :

10 tips to reduce car insurance cost

Response : You are one of the many parents who is looking for tips on getting cheap car insurance for young drivers. The most important thing is first to find the cause – reason for insurance rate being high for this group and than go about getting ways to get cheap car insurance.
The cost of insurance for this group in particular is high and if given the option, most car insurance companies would not want to take the risk from this age group. Studies have shown that young drivers between the age group of 16 to 21 are 10 times more prone to accidents than those in the rangefrom 30-59 years old. Insurance companies consider them the high risk group as they lack the driving experience and are usually unable to handle pressure situations. This group are aggressive drivers, easily influenced to taking of drugs and or consuming alcohol which are the main causes of most accidents. It is no wonder that insurance companies charged a very much higher premium for these young drivers.

Despite these negative facts about young drivers, all is not lost as even for this group, some discounts are still available. Below are some tips to reduce the insurance premium which should encourage them to be more responsible and careful when they are behind the wheel:-

1) Help your young drivers learn and be aware of the traffic laws. All traffic rules should be obeyed at all times to avoid being issued with traffic tickets or being involved in accidents. These are of no help in your effort to reduce car insurance cost for your family.

2) Set a good driving example for your children, right at an early age. Avoid road rage at all cost since agressive driving is another main reason why the car insurance cost for this group is high. If you would to shout at other drivers on the road, use the cell phone or even break the speed limit whilst behind the wheel; how would you expect your children to do differently when they are able to drive? Observed and analyzed your driving habits. Set good examples for them to follow and they will be good drivers in future. Remember, children tend to follow the examples set by adults; especially those of their parents. Be it good or bad examples.

3) In most cases, it will be better to include your teenager into your policy as an additional driver. He or she will then be able to qualify for the discounts you are currently enjoying. Should you purchase an independent policy, he or she may not enjoy the discounts and probably has to wait for at least three years to do so.

4) Motivate your son or daughter to get good grades in school/college. Inform them that by doing so, insurance company will consider them as responsible and would qualify them for discounts on their premium. Better still, you could pass on some of the savings to them as incentives if they continue to get good grades.

5) Encourage your teenager to attend courses on driving, in particular courses on defensive driving. Make sure to check with your insurance provider to ensure that the course offered by the school/college is recognize; so as to qualify them for farther discounts on their car insurance.

6) Buy an old reliable small family car, fitted with the necessary safety equipments for your young driver. Although most teenager may not like the idea at first; explain to them that it is for their own safety, as well as it contributes to a lower car insurance premium. A new flashy sport car may be nice to have but it may attract unnecessary attention (to car thieves) and encourage one to drive fast, thus increasing the risk of accidents.

7) Take this as an opportunity to interact and better understand your teenage son or daughter. Discussed with them the various ways to reduce the cost of car insurance for the family. As in tip No. 4, you may also pass a part of the savings for their ideas and contributions. Do not always make this as a habit of rewarding them or else they may get use to the idea of emptying your pockets at every opportunity. Motivate and reward them as and when necessary.

Discussed and explain to them about the ills of drugs and alcohol. This should be done especially if your teenager always feels that they have everything under control. The consequences of their ignorance on these topics could be catastrophic and even causes death, especially when they are behind the steering wheel.

9) Advise your young driver about the consequences of receiving traffic summonses/tickets. Depending on the severity of the offences, one may even be suspended from driving for a period of time.

10) Take a ride with your young driver from time to time. You may be able to spot some of his/her mistakes or bad driving habits. Point it out to them in a tactful manner and in due course, they will learn to be good drivers. If they are doing a job driving, praise them for their effort.

There you are the 10 tips on what you and or your teenager can do to reduce the premium on your family car insurance. In 2010 with the new changes in car insurance monitoring their driving with a GPS or web is also an alternate for the parents. Initially you may be of the opinion that it is not only difficult but also expensive to obtain cheap car insurance for young drivers. With the knowledge gain and some negotiating skills, you should be able to get cheap car insurance for young drivers.

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