Teen auto insurance accident

Teen insurance news: Ohio teen auto crashes have dropped.

Teen safety has been achieved and with this cheap teen auto insurance rates can be obtained in Ohio since they have seen a decline in the teen auto insurance rates.
As per the Insurance news , nearly four-year-old restrictions on Ohio teen drivers get some of the credit for a drop in accidents on Ohio roads.
The state Department of Transportation says Ohio saw a 16.7 decline in overall vehicle crashes between 2005 and 2009. Fatal accidents fell 23 percent.
The positive change in the trend of teen auto accidents and fall in auto insurance claims for the insurance companies is attributed to the graduated license law and increased seat belt use along with the better education programs which are running in the state.

< h2> What is the law that has helped with teen safety and cheap teen auto insurance rates
In Ohio in December 2006 the law was passed which :
Drivers under 17 can have just one passenger who is not a relative.
Teen drivers under the age of 16 that hold a Temporary Permit may only drive with a licensed parent, legal guardian or certified driving instructor.
The Temporary Permit holder must carry a photo identification card with their application with front and back data at all times while driving.
All Temporary Permit holders must finish 24 hours of class instruction and 8 hours of driving instruction with a certified driving instructor. In addition to this training, the teen driver must complete 50 hours of practice driving with 10 out of the 50 hours being nighttime driving.
A teen under 18 cannot drive during overnight hours without a parent of guardian except for work reasons.
This has helped reduced teen auto insuarnce rates, teen auto accidents and so this is naturally a very positive trend. This has helped to reduce teen auto insurance rates.

Can this be done in all states of USA and Canadian provinces for teen safety and reducing teen auto insurance rates

It is open for discussions here, that if Ohio could bring down the teen auto insurance accidents and bring in positive results with the cooperation of all especially the parents and teens, should we all also try for this.
How would you like to pay less teen auto insurance and save your money?
Your participation, opinions and comments do matter to us. Let’s have this debate and participation from all of you on teen safety and getting cheap teen auto insurance quotes.
Thanks.

Ashley Tistale : Does the size of the vehicle matter for teen auto insurance and teen safety so that you can get cheap car insurance quotes?

Teen auto insurance, cheap car insurance : Teen safety

Response : Ashley, frankly I would be more concerned about teen safety rather than teen auto insurance or getting cheap car insurance. Safety would matter first before money would. Once you are safe and in the best state of health you can definetly make a few hundred dollars more.

Yes, the size of the car and the safety of the car certainly matters in getting cheap car insurance. Honestly when it comes to teen auto insurance quotes it is always a big issue for the parents since they are concerned of both and rightly so.

First lets see the safety and this is based on the research conducted by the insurance institute of high way safety.

“Vehicle Size and Weight: Small cars generally do not protect people in crashes as well as bigger, heavier models. Extra weight and size enhance occupant protection in collisions, according to the Insurance Institute for Highway Safety (IIHS), which conducted three head-on collision crash tests each involving a micro- or mini-car and a midsize model made by the same manufacturer. The three small cars earned good frontal crashworthiness scores when crashed into barriers at 40 mph. However, when a small car and a midsize car crashed, the risk of injury to the occupants of the smaller vehicle increased. The IIHS says that the fatality rate in 1 to 3 year-old mini-cars in multiple vehicle crashes in 2007 was almost twice as high as the rate in very large cars of the same age. Consumers buy minicars, such as the Honda Fit, Mercedes Smart Fortwo and Toyota Yaris, to conserve gas and save money and in response to environmental concerns.

In June 2009 the Insurance Institute for Highway Safety released the results of seven low-speed impact tests of micro- and mini-cars. The study found that one fender-bender type impact alone results in damage costing from hundreds to thousands of dollars. Five of the seven cars had poor ratings in the four tests, and one produced a marginal rating. The worst car racked up $9,380 in total damage in the tests, earning a poor rating, while the best performer, which earned an acceptable rating (none earned a good rating) incurred $3,281 in damage.”

Now, the insurance companies are interested in this research since it helps them to decide the rating for the car insurance. If you choose a safe car for your teen your teen auto insurance quotes will be much lower and you will get cheap car insurance quotes. However, it is still always advisable to compare teen auto insurance quotes online since the insurance for this group is normally rated high based on the individual insurance companies own experience for this age gorup. What better place than teen auto ins quote to compare and get cheap car insurance quotes? Check it out.

Keira: I am a teen and want to know why the teen auto accident crash involvement is so high? Secondly, how do crashes involving teenagers differ from other drivers?

Response: Immaturity and lack of driving experience are the main reasons. Compared with older drivers, teenagers as a group are more willing to take risks and less likely to use safety belts. They also are more likely than older drivers to underestimate the dangers associated with hazardous situations and less able to cope with such dangers.

Teenagers not only have higher crash rates than other age groups, but they also have crashes that are different. Analyses of fatal crash data indicate that teenage drivers are more likely to be at fault in their crashes. Teenagers’ crashes and violations are more likely to involve speeding than those of older drivers, and teenagers are more likely than drivers of other ages to be in single-vehicle fatal crashes. Plus, teenagers do more of their driving in small and older cars3 and at night, compared with adults. In 2003, 42 percent of teenagers’ fatalities occurred between 9 pm and 6 am, and 54 percent occurred on a Friday, Saturday, or Sunday.

And for 16 year-olds, all these problems are heightened. The combination of inexperience behind the wheel and immaturity produces a pattern of fatal crashes among 16 year-olds that includes the highest percentage of crashes involving speeding, the highest percentage of single-vehicle crashes, and the highest percentage of crashes with driver error. This is why the insurance companies rate this group very high for auto insurance rates. However, taking the tips and driving lessons you can have cheap auto insurance quotes.

Drive safely and carefully to save auto insurances.

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