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Teen auto insurance rates soar drowsy driving Drowsy when driving? Be attentive otherwise teen auto insurance rates would soar.

Teen auto insurance rates soar- drowsy driving


Drowsy when driving? Be attentive otherwise teen auto insurance rates would soar.

Recent study has revealed that teenagers In a recent study, it has been revealed that teenagers crashing while driving are affected by the timing of their school and the amount of sleep they get. It is common that teenagers who are not getting enough sleep are more likely to meet with accidents since they are either working late hours or partying at late hours.

The reason for the varied crash rates as cited by Verona is that the students starting late for schools are more active as they get more time to sleep. As per the studies teenagers need a sleep of at least 8- 9 hours. Those who do not sleep enough face problems in staying alert and this may be the reason for the crashes.

Simply, a tired driver is a dangerous driver. Sleepiness slows reaction time, decreases awareness, impairs judgment and increases aggressiveness. This does not yet include the warnings on driving under influence or intoxicated or drugs. You need to know that, just like driving drunk or drugged, drowsy driving causes you to make mistakes behind the wheel — mistakes that can injure or kill the driver, passengers or total strangers. The end result is obvious to all, it leads to accidents, and ofcourse teen auto insurance rates would soar.

Get your cheap teen auto insurance rates here.

Studies on drowsy driving and teen auto insurance quotes

According to the National Highway Traffic Safety Administration (NHTSA), drowsiness or fatigue is the principal cause of up to 100,000 police-reported passenger vehicle crashes every year, killing at least 1,500 people and injuring 71,000. Many more fatigue-related crashes go unreported. But don’t blame it on the long-haul truckers: Less than 1 percent of all sleep-related crashes involve truck drivers, who are prohibited, by federal regulation, from driving more than 10 hours in a 24-hour period.

In 2003, New Jersey passed Maggie’s Law, named after a 20-year-old college student killed by a drowsy driver. The law states that a sleep-deprived driver qualifies as a reckless driver who can be convicted of vehicular homicide and serve jail time. While most states don’t have such a law on the books, the dangers of drowsy driving are now getting more attention.

These are just a few examples from the endless list of how drowsy driving is jepodising teen safety, leading to high auto insurance claims with the ultimate results of getting your teen get caught in the high teen auto insurance rates.

Check out the Insurance Forum to get answers to any querries you have or leave a comment on the blog and we will include your answer alongwith your name as a post besides answering you personally vide your email.

What are the causes of drowsy driving, know them, get your cheap teen auto insurance quote

This information is from a recent NHTSA study showed that 20 percent of crashes and 12 percent of near-crashes were caused by drowsy drivers, said Dr. Charlie Klauer, the study’s project manager and a senior research associate at Virginia Tech Transportation Institute.

How did the researchers determine a driver was drowsy? Each of 100 vehicles was outfitted with five cameras that linked to computers to record driver action and reaction. NHTSA monitored the drivers for more than one year and nearly 2 million miles of driving. Researchers determined that the drivers were drowsy if their eyes closed for longer than a blink, or if their heads bobbed forward and then bolted back upright. Also making the cut were drivers who didn’t move at all, staring fixedly ahead instead of reacting to oncoming traffic or checking the rearview or sideview mirrors.

Interesting results :
Surprisingly, the study showed that the majority of crashes and near-crashes occur during daytime hours, when roads are more crowded, rather than at night. But sleep-related accidents at night tend to be more serious because they are more likely to occur on high-speed highways and rural roads, when the driver is alone.

Among the groups studied, all the age groups had the same percentage of drowsy-driving crashes and near-crashes, except for one. “The 18-20 age group was involved in five times more fatigue-related accidents and near-accidents than any other group,” she said, due to inexperience behind the wheel and irregular sleep habits.

It’s not just age, it’s work schedule. An AAA Foundation study, based on interviews with drivers after crashes, indicated that drowsy drivers were nearly twice as likely to work at more than one job and their primary job was much more likely to involve non-standard hours. Working the night shift increased the odds of a sleep-related accident by nearly six times.

The other main cause of drowsy accidents is because of long hours of commuting. The higher the commuting time the increasing the number of drowsy-driving incidents.

Allergy, cold and flu medicines
Dr. Joel Zive, an independent pharmacist in Bronx, New York, and a spokesman for the American Pharmacists Association, cautions consumers to read their medication labels for a warning about ingredients that cause drowsiness — or ask the pharmacist. Many drivers still don’t realize that legal, over-the-counter treatments for allergies, cold and flu can cause significant sleepiness at the wheel.

For example, the antihistamines Dipenhydramine (in Benadryl), Clorpheniramine (in Clor-Trimeton) and Brompheniramine (in Diamatine) can cause drowsiness. But, the so-called second-generation antihistamines Fexofenadine (in Allegra), Loratadine (in Claritin and Alavert) and Cetirizine (in Zyrtec) are non-sedating and do not cause impairment under normal circumstances, Dr. Zive said.

How to check for signs for drwowsy driving to avoid accidents and teen auto insurance quotes to soar?

You can’t remember the last few miles driven.
You hit a rumble strip or drift from your lane.
You keep pulling your vehicle back into the lane.
Your thoughts are wandering and disconnected.
You yawn repeatedly.
You have difficulty focusing or keeping your eyes open and your head up.
You tailgate or miss traffic signs.
You have narrowly missed crashing.

< h2> Most important for teen safety and getting cheap car insurance- how to prevent falling asleep at the wheel
Here are the top 10 things to do to avoid falling asleep at the wheel, from the AAA Foundation and the University of Iowa:

1. Stop driving if you feel sleepy. Stop and drink a caffeinated beverage.
2. Since it takes about 30 minutes for caffeine to enter the bloodstream and take effect, use that time to take a nap.
3. Get plenty of sleep the night before taking a long trip — at least six hours, though more is better.
4. Don’t plan to work all day and then drive all night.
5. Drive at times when you are normally awake, and stay overnight in a hotel or motel rather than driving straight through.
6. Avoid driving at so-called sleepy times of day. Take a midafternoon break for a short nap and find a place to sleep between midnight and dawn. If you can’t nap, at least stop your drive and rest for awhile.
7. Avoid carbohydrate-laden foods that can make you sleepy, in favor of protein-laden foods.
8. Avoid allergy and cold or flu medications containing Diphenhydramine, such as Benadryl, which can contribute to drowsiness. And don’t take prescribed sleep aids, such as Ambien, until you are finished driving for the day.
9. On long trips, keep an awake passenger in the front seat. Increasing the volume on the car stereo is not a substitute for somebody you can talk to.
10. Take a break every two hours or every 100-120 miles, even if you don’t need a pit stop or gas. Get out of the car, take some deep breaths and do some stretching exercises, especially neck and shoulders, to relieve cramping and stress. And try to set a limit of 300-400 miles of driving per day.
When to take a break
In 2004, an AAA Foundation for Traffic Safety survey found that nine out of every 10 North American police officers had stopped a driver who they believed was drunk, but turned out to be drowsy instead. Johns Hopkins Medical Center says drivers should be aware of these warning signs:



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Oprah Winfrey declares National No Phone Zone Day April 30 Stop texting while driving (VIDEO)2

resized pho Oprah has shown how to get cheap teen auto insurance quotes.

No phone zone - no distracted driving leads to cheap car insurance

Halle Balle : Looking desperately for teen auto insurance quotes and cheap car insurance for my son who was involved in an accident. He was text messaging and lost control. Luckily no one was injured.

“Oparh declares 30th April as National No phone zone day”

Ophra has paved way for cheap auto insurance quotes and teen safety.

As on 30th April 2010 Ophra declared it as a “National No phone zone day” – no test messaging, no talking on the cell phone. Listen to her message and watch the video. This is a great step in the right direction and parents should insist that their teenagers should abstain from any form of distracted driving. Young drivers especially have the urge to talk on the phone or text message their friends or log onto twitter, facebook or other social net works.

Why teenagers do not get cheap teen auto insurance quotes?

The reality is that the younger, inexperienced drivers under 20 years old have the highest proportion of distraction-related fatal crashes. A Pew Internet & American Life Project survey of 800 young people called “Teens and Distracted Driving” found that 75 percent of all American teens ages 12 to 17 have a cellphone. The survey, conducted during the summer of 2009, found that 26 percent of American teens ages 16 to 17 have texted while driving and 43 percent have talked on a cellphone while driving. Forty-eight percent of teens ages 12-17 say they have been in a car when the driver was texting and 40 percent say they have been in a car when the driver used a cellphone in a way that put themselves or others in danger.

Data which explains why it is difficult to get cheap teen auto insurance quotes.

The National Highway Traffic Safety Administration (NHTSA) reports that 2,739 drivers between the ages of 15 and 20 died in motor vehicle crashes in 2008, down 13.7 percent from 3,174 in 2007 and down 20.2 percent from 3,431 in 1998. An additional 228,000 young drivers were injured in 2008. Are you now familar with why cheap teen auto insurance quotes are not given readily by auto insurance companies?

Ophra has given you the secret to get
    cheap teen auto insurance quotes

Oprah has laid the foundation for us and as parents and teenagers we should ensure that we do not indulge in distracted driving and keep it a National No phone zone every time we are behind the wheels. This is the secret key to getting cheap teen auto insurance quotes. Be a positive influence on the teen and they will be good drivers and get cheap teen auto insurance quotes.

This would naturally result in less auto accidents and teen safety. The insurance companies would be able to cut down their claim expense and the teen auto insurance base rates would be reduced leading to cheap teen auto insurance.

Teenagers or young drivers will have good driving records and no claims on their records giving them discounts on being good drivers and also the no claim discount.

Be responsible towards yourself and your family- no use of phones or text messaging is the first step towards cheap teen auto insurance quotes. Teen auto ins quote.com is with you on this commitement. Thanks.
Kamlesh



Teen auto insurance quotes
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Kristen Bell: My son has received his driving license and I am really worried about his getting involved in an accident. I have both concerns getting cheap auto insurances and also the safety of my teen. Please let me know what to do.

Cheap auto insurance is less important than teen safety:
Response : Kristen, I agree with you that cheap auto insurance can esaiy be obtained, but teen safety or the young drivers safety is more important than getting a cheap auto insurance quote. It is true that receiving a driver’s license is one of the most exciting rites of passage in a teen’s life. However, it can also be an extremely nerve-racking experience for both the new driver and his or her parents.

According to the National Highway Traffic Safety Administration (NHTSA), motor vehicle collisions are the leading cause of death for 15-to-20-year-olds.In order to ensure the teen safety here are some tips which are recommonded even by the NHTSA.

Alwyas follow the speed limit. Driving too fast is certainly dangerous. The other thing is sometimes driving too slow can also be dangerous. Not only will driving the speed limit help you stay in control of your vehicle, it can also help you save fuel. You need to teach the teen the right limits and skills of maintaining speed, which is very important. It is indeed good that the auto makers do recall vehicles in case of any problems with the vehicles. The recent recall by Toyatta is a good example of maintaining the standards by the auto makers.

Avoid distractions. With cell phones, iPods and GPS, teens might seem like pros at multitasking, but driving is not the time for distractions. Taking your eyes off the road for just one second to send a text or change songs can make a huge difference in your response time for avoiding a collision.With the recent laws trying to crub distractions by most of the states are very attractive.

Pay attention to your surroundings.It is very important to pay attention to the road directly in front of you, but make sure to check your rearview and side mirrors regularly. If you’re on a residential street, watch for children playing in the road and other pedestrians.

Most importantly,Speak Up! Your teen should be able to speak up if he is in a vehicle with a friend who is driving too fast, constantly switching lanes, tailgating or not paying attention to the road, tell him or herof discomfortable. They may be trying to impress you, and a simple request will encourage them to stop driving dangerously. If they refuse, ask them to drop you off at a safe location so that you can call someone to pick you up.

Buckle Up. According to NHTSA, “Increasing seat belt use is the simplest and least expensive way to reduce deaths and serious injuries on our roads.” In fact, NHTSA found that more than 75,000 lives were saved between 2003 and 2007 by wearing a seat belt. Taking two seconds to buckle up is the simplest action you can take to stay safer on the road. Plus, it’s the law in many states.

There are many resources to ensure your teens safety, but the most important are the parents. Parents would be able to give the right guidance and driving tips to their teens, since no matter how much they dispute and argue, ultimatley the teens know the truth.



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Mike Hill : My son is a college student and we live in Oregon. I would like to know about the latest news for college student auto inusrance and distracted driving.

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



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Teen auto insurance


Robert Patterson (Los Angles): Do you agree that teenagers will get cheap car insurance quote on account of cell-phone bans? Is this ban justified?

Tenn auto insurance rates and bans

Response: As an insurance person, parent and a social well-wisher I totally agree with the cell-phone usage ban. Secondly, it will certainly benefit all the insurance company and the people, since the lives would be saved and also it will prevent accidents. Yes, cheap car insurance quotes would be possible for all, since auto insurance rates are directly related to the auto insurance expenses.

One study indicates that driving while talking on the phone increases the risk by four. Another study shows that driving while distracted, such as adjusting the radio, engaging in a heated discussion with a passenger, or talking on the phone, may cause between 20 and 30 percent of all United States automobile accidents. Other studies, based on driver simulation tests, conclude that people have difficulty multitasking.

Automobile accidents are a major cause of death in the United States and are the single most common cause of death among children and young adults. According to the U.S. National Highway Traffic Safety Administration (NHTSA), over 6 million police-reported automobile accidents occurred in 2001, which constitutes 1 every 5 seconds. On average, a person was injured in one of these crashes every 10 seconds and a person was killed every 12 minutes. The NHTSA estimates that the annual cost of automobile accidents is $230 billion.

Cell phone usage has skyrocketed in the United States during the last 20 years. There were only a few thousand cell phones in 1983.6 According to the Cellular Telecommunications and Internet Association (CTIA), cell phone usage has shown a steady increase as follows.

  • 9 million in 1992
  • 38 million in 1996
  • 97 million in 2000
  • 134 million in 2002
  • NHTSA estimates that 73% of the people use cellphones when driving. This would mean that cellphones are a big source of distraction. This distraction, which leads to accidents must be stopped. Almost 70% of the accidents in youth have been attributed due to distraction and it is undoubtable that today cell phones are one of the biggest distraction.

    Robert, I am sure now you know why this ban was necessary. I can give you more data and example of teen auto accidents which were caused by use of cellphones, if you want them.

    Happy motoring.

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