Car Insurance for High Risk Drivers – Online Auto Insurance #minneapolis #auto #show


#high risk auto insurance
#

Compare auto insurance quotes for high risk drivers:

Find lower quotes through comparisons:

Oftentimes, people are charged higher premiums because they simply do not know how to find cheaper rates. This is because each carrier has it s own prices based on their unique factors such as loss ratio, return on investment and market share. The key is to compare a few different carriers to narrow down the one which will have the right offerings like low prices and plentiful coverage. At OnlineAutoInsurance.com, an online car insurance quotes comparison is easy and fast since it only requires consumers to answer one set of questions.

Motorists are classified high risk when they are in violation of traffic laws or may be new to driving such as teenagers and the newly licensed. The most common classifications are policyholders charged with a DUI/DWI or multiple violations on their driving record which are often referred to as “bad drivers.” But what most motorists do not know is that there are other criteria used by the companies to classify a policyholder as high risk. Other criteria include young drivers under the age of 25 or first time drivers, credit rating and history, students, and prior claims history.

Being placed or categorized under these classifications can result in higher rates for insured motorists that they should not be subjected to. Whether they are determined to be riskier at the signing of the policy or during a carrier’s coverage, the consumer’s driving history changes with violations, both result in an increase in the payment amount for the coverage. What most users do not know is that there are methods of being insured without having to pay inflated prices if considered a high risk driver.

High risk car insurance companies :

The best way to reduce those pesky premium hikes when a consumer has a few dings on their driving record is to shop around and compare multiple auto ins companies. There is such a thing as a company that focuses their business on securing only older non-risky drivers, but there are also carriers that are profitable or maybe even target risky motorists and more willing to accept an elevated risk.

The non-standard market specializes in covering those with a history of offenses or claims, are new to driving, or have bad credit by creating programs that would benefit these individuals. Usually these insurers offer these programs with cheap car insurance for high risk drivers to serve as an incentive to draw consumers away from their competition that do not have such programs and are charging more for coverage. Factors such as being a good student or driving courses taken can offer discounts to the insured that would help offset the cost of coverage and reduce the monthly payments of their premiums.

For those who continue to have a problem finding an insurer to accept them and insure them, they can refer to the assigned risk program for assistance.

Cheap Auto Insurance for high risk driving records :

A driving record that is loaded with offenses are most commonly classified as high risk by the companies and this is the determining factor in expensive premiums or denial of coverage. A consumer may not be able to find the right coverage or is fed up with being denied. OnlineAutoInsurance.com is here to help those individuals in finding cheaper car insurance rates from from reputable companies. We understand that there are troubles in finding the right policy and being accepted into that policy, therefore OnlineAutoInsurance.com helps the motorists by carrying a large pool of insurers and many of them offering great coverage at a low price. Visit the site today to learn more on which companies there are that offer discounts and packages that would not only accept riskier drivers, but also save them money.

Questions Related to High Risk Car Insurance

It’s usually harder for motorists with poor driving records to find auto insurance because coverage providers generally look at accident risk when rating potential customers to get an idea of the likelihood they will file a claim in the near future. A person who has a history of.

Auto insurance for higher risk drivers is typically more expensive than the average policy. When coverage providers sell an insurance policy, they run the chance of having to pay out a claim. As a result, individuals who demonstrate a.

Assigned risk auto insurance policies are designed to provide vehicle protection for higher risk drivers who have been repeatedly denied coverage in the voluntary market. These policies are more expensive because the drivers who purchase them are considered to.

News about High Risk Drivers

July 17, 2014 – Crash claim rates for some teen drivers are more than double than the rates for older drivers, according to a new analysis from the Insurance Institute for Highway Safety. But there’s something else that compounds dangers for teen drivers: They.

February 21, 2014 – Let’s call this the tsunami that never made it ashore. The Insurance Institute for Highway Safety (IIHS) recently took stock of the “silver tsunami” in a report about older drivers who, despite their increasingly larger share of the U.S. driving population, aren’t endangering the nation’s roadways.


Auto Insurance for High Risk Drivers. #lowest #auto #loan #rates


#high risk auto insurance
#

Auto Insurance for High Risk Drivers

The “high risk” label is given to drivers who have too many negative items on their driving records, whether those items are too many tickets and violations, traffic accidents, convictions for driving under the influence of alcohol or drugs, or other offenses. Having items like these on a driving record can indicate a history of risk-taking to your insurer. Insurers are in theory more likely to have to pay out on a high-risk insurance policy, so high-risk policies tend to come with a larger price tag.

Some drivers with a large number of serious violations on record will appear to be too much of a liability for most insurers and won’t be able to get coverage on their own directly from any insurer in the state. This only happens to a small percentage of drivers, but when it does, those drivers may have to get coverage through state-run assigned-risk plans. In these programs, drivers apply for coverage through the state, and the state assigns a particular insurer to cover them. The programs are set up so that every insurer in the state has to take on its fair share of high-risk drivers. Unfortunately for drivers in these programs, the premiums tend to be higher than if they had secured coverage on the voluntary market.

The majority of drivers will not have to get coverage through an assigned-risk program, however. Most states have a significant number of insurers that are not just willing to write high-risk insurance policies but actually target drivers categorized as high risk. The only way high-risk drivers can find those companies is by shopping around and comparing quotes from multiple providers.


WA State Licensing (DOL) Official Site: Mandatory insurance for drivers in Washington #used #cars


#insurance auto
#

Getting a driver license: Mandatory insurance

If you drive a vehicle that is required to be registered in Washington State, you must have one of the following:

The auto insurance policy must have limits of at least:

  • $25,000 of bodily injury or death of 1 person in any 1 accident.
  • $50,000 of bodily injury or death of any 2 people in any 1 accident.
  • $10,000 of injury to or destruction of property of others in any 1 accident.

Required proof of auto insurance

Any time you drive in Washington, you must be prepared to show your auto insurance identification card to law enforcement. You will get this identification card from your auto insurance company when you buy a policy. The card must include all of the following:

  • Name of the insurance company.
  • Policy number.
  • Effective date of the policy.
  • Expiration date of the policy.
  • Description of the year, make, or model of the insured vehicles, or the name of the insured driver. The word fleet may be used for more than 5 vehicles owned by the same person or business.

Failing to show this proof of insurance is a traffic infraction. Knowingly providing false evidence of coverage is a misdemeanor.

If you have 26 or more vehicles, you may qualify for self-insurance. For more information, contact us at:

Driver Records

Department of Licensing

PO Box 9030

Olympia, WA 98507-9030

Required proof of self insurance

Any time you operate a vehicle in Washington, you must be prepared to show your self insurance certificate to law enforcement. The certificate may be printed on any size document and must include all of the following:

  • Self insurance certificate number we issued to you.
  • Effective date of the certificate.
  • Description of the year, make, or model of the covered vehicles, or the name of the covered driver. The word fleet may be used in place of the vehicle description.

Failing to show proof is a traffic infraction. Knowingly providing false evidence of coverage is a misdemeanor.

If you want to apply for a certificate of deposit

  1. Submit the Financial Responsibility Application and Affidavit form to us.
  2. After we ve received your form. we ll confirm you qualify. If you qualify, we ll mail or email you to request that you, your financial institution, or securities firm submit the following within 30 days.
    • Assignment of Monies or Securities for Financial Responsibility and
    • Financial statements

If we don t receive all documents within 30 days. we ll send you a denial letter.

If we don t receive proof of payment. we can t process your application.

What s the minimum deposit amount?

The certificate of deposit must be for at least $60,000. You can make a deposit of collateral with us (DOL) or in a bank account set up for the State of Washington.

You must show proof of your certificate of deposit

Any time you operate a vehicle in Washington, you must be prepared to show proof of your certificate of deposit to law enforcement. The information may be printed on any size document and include the following:

  • Certificate number issued by us (DOL) and
  • Name of the covered driver.

Failing to show proof of insurance is a traffic infraction. Knowingly providing false evidence of coverage is a misdemeanor.

The bond must be for at least $60,000, and must be filed by a surety bond company authorized to do business in Washington.

Required proof of liability bond

Any time you operate a vehicle in Washington, you must be prepared to show proof of your liability bond to law enforcement. The information may be printed on any size document and must include all of the following:

  • Name of the company that issued the bond.
  • Bond number.
  • Name of the covered driver.

Failing to show this proof of insurance is a traffic infraction. Knowingly providing false evidence of coverage is a misdemeanor.

Penalties

Operating a vehicle without the required coverage is a traffic infraction punishable by a fine of at least $450.

Exceptions

You don t need to have insurance when you operate a vehicle registered as any of the following:

  • Motorcycle. (RCW 46.04.330 )
  • Motor-driven cycle. (RCW 46.04.332 )
  • Moped. (RCW 46.04.304)
  • Horseless carriage over 40 years old (RCW 46.18.255 )
  • State or publicly-owned vehicle. (RCW 46.16.020 )
  • Common or contract carrier with the Washington Utilities and Transportation Commission.

Vehicles registered in another state

When you drive a vehicle in Washington that is required to be registered in another state, you must have the type of insurance required by that state. You must be able to provide proof of this insurance to law enforcement if requested.

Related laws and rules

Vehicle registration

  • RCW 46.16: Vehicle licenses (defines what vehicles are required to be registered in Washington)

Get ** THE CHEAPEST CAR INSURANCE ** deals for smart drivers! #lewiston #auto


#inexpensive auto insurance
#

Looking for The Cheapest Car Insurance

Liability car insurance is required by law, but there are other reasons to carry a policy. Most lenders require full coverage insurance if you are buying a car. Plus, it protects you in the event of an accident even if you are not at fault. However, car insurance often is expensive and can take a chunk out of the budget, especially if you have more than one driver or multiple cars.

Time-consuming and Challenging

Looking for the cheapest car insurance can be a challenge for the busy person. It requires them to input their information over and over on various company websites or call insurance providers to get quotes. In the end, many people get frustrated and settle for the first reasonable quote they receive. Unfortunately, they may be missing out on a good deal because they didn’t have the time to spend on research.

With our site, you don’t have to take up your valuable time shopping for prices on insurance coverage. Just use our site to do the comparison for you. You enjoy the benefit of inputting your information one time and receiving multiple quotes that are relevant to your needs. With this method, you end up saving time and money.

Accurate Information for Accurate Rates

The key to getting the cheapest car insurance possible is to put as much information as you know to get more accurate quotes. For instance, including your zip code allows us to search for quotes based on where you live, which can have an impact on the prices you receive. By providing as much information as possible, you can view the results in the comparison chart and know where you save the most money.

When you use our comparison site, you end up with rates that are a true comparison. The coverage is the same or similar for each of the companies, which helps you to recognize where you are truly getting the best deal. This allows you to select affordable coverage instead of limiting yourself to the least expensive policy you can find on your own. When looking for the cheapest auto insurance, you can make sure that your policy limits are what you want them to be, giving you peace of mind while staying within budget.


Safe Driving Tips for Teenage Drivers # #teen #drivers, #teen #driver #safety, #car #insurance #


#

Safe Driving Tips For Teenage Drivers

It’s a fact: teenage drivers account for more auto accidents than any other age group.

However, by practicing safe driving techniques―such as driving defensively―you’ll increase the odds you’ll keep yourself (and your passengers) safe on the road and you’ll increase your changes of getting more affordable car insurance as you build a good driving record.

Safety Tips for Teen Drivers

Whether you’re just getting ready to hit the road or have been driving for months―or even years―take some time to review these 8 safe driving tips.

1) Keep Your Cell Phone Off

Multiple studies indicate using a cell phone while driving is the equivalent of driving drunk ―that’s even when using a hands-free phone.

NOTE . Your state may prohibit the use of cell phones while driving. An increasing amount of states are creating laws regarding cell phone use and texting. Often, younger drivers face stricter laws.

2) Don’t Text

Research shows texting―on average―causes a loss of focus on the road for 4.6 seconds. You can drive the length of a full football field in that time. A lot can go wrong while you drive the length of a football field without your eyes on the road.

Don’t try the “texting-while-stopped” approach, either, as many states ban texting while behind the wheel. And, when you have your head down, you won’t notice key developments that may occur. Remember, you still need to pay attention to the road when you’re stopped.

3) Turn on Your Headlights

Using your headlights increases your visibility and help other drivers see you, even when you feel like it’s light out.

In the early morning and early evening (dusk), you need to use your lights or other drivers might not see you, which can be disastrous.

4) Obey the Speed Limit

Speeding is a major contributor to fatal teen accidents. That’s especially true when driving on roads with lots of traffic or with which you’re not familiar.

Don’t feel pressured to keep up with traffic if it seems like everyone else is flying by you. Driving a safe speed helps ensure your well-being, and keeps you away from costly traffic tickets that can cause a sharp hike in your auto insurance premiums.

5) Minimize Distractions

It may be tempting to eat, drink, flip around the radio dial, or play music loudly while you’re cruising around town; however, all can cause your mind or vision to wander, even for a few seconds.

As an inexperienced driver, you are more apt to lose control of your car. Distractions can significantly increase the chances that you 1) not notice impending danger or notice it too late and 2) lose the ability to control the vehicle.

6) Drive Solo

Having a single teen passenger in your car can double the risk of causing a car accident. Adding additional teen passengers causes the risk to escalate.

7) Practice Defensive Driving

Always be aware of the traffic ahead, behind, and next to you, and have possible escape routes in mind. Stay at least one car length behind the car in front of you in slower speeds, and maintain a larger buffer zone with faster speeds.

Some car insurance companies will even give you a discount if you take an approved defensive driving course to improve your driving skills.

8) Choose a Safe Car

If possible, drive a safe car with the latest safety equipment (such as anti-lock brakes, electronic stability control, and air bags), and one with an excellent crash safety record.

Final Word: Teens Becoming Safe Drivers

There’s no substitute for driving experience and the wisdom that age brings, but by applying the above tips you’ll enhance the odds you won’t become a teenage driver accident statistic. Also, when you have a good driving record free of accidents, it’s easier to find cheap car insurance in the future.

DMV.org Insurance Finder

Join 1,972,984 Americans who searched DMV.org for car insurance rates:

THE PLEDGE


Young Drivers Car Insurance Quotes from #what #is #the #cheapest #car #insurance #for #young #drivers


#

Young Driver Insurance

LittleBox is freedom to drive

Admiral LittleBox is aimed at lowering the cost of young drivers’ insurance premiums and allowing them to demonstrate their ability behind the wheel. No more being branded as reckless drivers because of the actions of other youths, LittleBox measures how and when you drive alongside other risk factors to calculate your driving score – giving you the opportunity to be treated as an individual.

Why choose LittleBox?

It’s a great way for young drivers to get great discounts on our direct car insurance prices.

There are no curfews with LittleBox, however regularly driving after 10pm may reduce your driving score.

As long as LittleBox is active,
our Theft Tracking service is included as standard.

For comprehensive policyholders, if your car is under repair at an Admiral approved garage.

Why is young drivers’ insurance so expensive?

Young drivers are at a much higher risk of crashing than older drivers. Drivers aged 17-19 only make up 1.5% of UK licence holders, but are involved in 9% of fatal and serious crashes (Source, Brake, 2015). However, LittleBox by Admiral allows motorists to stand out from the statistics and receive the young drivers’ insurance policy they deserve.

Benefits of Admiral LittleBox

Obviously the main advantage of LittleBox is helping motorists overcome the high premiums associated with young drivers’ car insurance.

You don’t pay an additional fee to have LittleBox fitted, and we immediately give you a discount on your young drivers car insurance.

LittleBox young drivers’ insurance provides a courtesy car while yours is repaired at one of our approved repairers if you take out a comprehensive policy.

LittleBox also has inclusive Theft Tracking in the event of your vehicle being stolen – so we’re there for both you and your first car.


Get ** THE CHEAPEST CAR INSURANCE ** deals for smart drivers! #salvage #auto #parts


#inexpensive auto insurance
#

Looking for The Cheapest Car Insurance

Liability car insurance is required by law, but there are other reasons to carry a policy. Most lenders require full coverage insurance if you are buying a car. Plus, it protects you in the event of an accident even if you are not at fault. However, car insurance often is expensive and can take a chunk out of the budget, especially if you have more than one driver or multiple cars.

Time-consuming and Challenging

Looking for the cheapest car insurance can be a challenge for the busy person. It requires them to input their information over and over on various company websites or call insurance providers to get quotes. In the end, many people get frustrated and settle for the first reasonable quote they receive. Unfortunately, they may be missing out on a good deal because they didn’t have the time to spend on research.

With our site, you don’t have to take up your valuable time shopping for prices on insurance coverage. Just use our site to do the comparison for you. You enjoy the benefit of inputting your information one time and receiving multiple quotes that are relevant to your needs. With this method, you end up saving time and money.

Accurate Information for Accurate Rates

The key to getting the cheapest car insurance possible is to put as much information as you know to get more accurate quotes. For instance, including your zip code allows us to search for quotes based on where you live, which can have an impact on the prices you receive. By providing as much information as possible, you can view the results in the comparison chart and know where you save the most money.

When you use our comparison site, you end up with rates that are a true comparison. The coverage is the same or similar for each of the companies, which helps you to recognize where you are truly getting the best deal. This allows you to select affordable coverage instead of limiting yourself to the least expensive policy you can find on your own. When looking for the cheapest auto insurance, you can make sure that your policy limits are what you want them to be, giving you peace of mind while staying within budget.


Car insurance for young drivers #young #driver #car #insurance, #teen #drivers, #teen #car #insurance, #teenager #car #insurance #rates, #car #insurance #discounts #for #teenagers, #car #insurance #for #young #drivers


#

Car insurance for young drivers

Starting to drive is an exciting moment for teens, but for their parents, it can be stressful and it will certainly be expensive. The good news is that you can check quotes from different insurance companies and minimize the damage to your wallet. Let us guide you through buying car insurance for young drivers to help you save money.

Policies

Before your teen starts driving, you should know:

  • All drivers in a household need to be added to a car insurance policy. There is no easy or cheap way to get around car insurance for a new driver. Either you need to add your teen to your policy, or the teen needs his own policy.
  • Sharing a joint policy with a teen is cheaper than paying for separate policies. Additionally, there is no benefit to a teen getting his own policy. This doesn’t mean, however, that you should simply add your teen to your current policy and be done with it. Adding a new driver means your company generates your rates all over again, and a different company may give you a better deal. Shop around by getting quotes from several companies.

Do I have to add my teen once he has a learner s permit?

The process of insuring a new driver typically starts when the teen gets a learner’s permit. Once teens get a learner’s permit (aka provisional license or instruction permit in some states), some companies allow you to add them to your policy at no additional charge until they get their licenses or turn 18. They allow this because state permit-holder laws require a licensed driver age 21 or older in the passenger seat, making the young driver less of a risk. Other auto insurance providers require that teens be added when they are in the permit stage, so check with your provider.

Start now by finding car insurance companies in your area

Do I have to add my teen to my policy if he doesn t own a car?

Yes. It doesn t matter that he doesn t have his own car; he has access to yours. If you don t add him to your policy and he is in an accident, your policy may not cover him. Some car insurance companies explicitly note in their policies that unless you notify them of additional drivers or risks, those individuals will not be covered. If they do cover the accident, the insurer may require you to pay back premiums from the time the teen was licensed.

If your teen is getting a license but isn t going to drive your cars — ever — then in some states, some insurers will let you exclude the teen from your policy. If you do exclude a teen, or anyone, from your policy, there will be no car insurance coverage extended if they are in an accident. Many insurance companies want you to tell them about household residents who are over a certain age (usually 15) whether that person is licensed or not.

Do I have to tell my insurance company about my teen if he isn t licensed?

Yes, you usually do. When you renew your policy, you are usually asked for information on everyone in your household. If your child hasn t received a permit or license yet, the teen usually can be listed as unlicensed on your policy. When a young driver is noted as unlicensed, he also should be unrated by the car insurance company, meaning the teen wouldn’t affect your rates.

Who should insure a teen if the parents are divorced?

In general, the custodial parent s policy is primary for the newly licensed driver. However, if the child will drive when staying at the second home, both parents typically need to list the teen as a driver. Car insurance companies deal with this situation differently, so check with your company and ask what your new rates will be. This way you ll know what to shoot for if you decide to shop around for a better deal.

How can a teen get his own policy?

A teen driver can get a car insurance policy of his own, but if he s under 18, a parent or guardian signature is required on the policy since insurance is a legal contract. Even if you are willing to sign on the policy with a young driver, keep in mind that it s cheaper if the teen is added to your policy instead. Read our age-specific guides for teen drivers to see how rates differ depending on whether the teen is on his own policy or the parent;s:

Rates

How much does car insurance for new drivers cost?

Our analysis of the cost of adding a teen driver showed an average increase of 160% when a married couple added a teenage boy to their car insurance policy. This number can only be used to give you a very general sense of how much your rates will increase. Every situation is different, and rates depend on your insurance provider, coverage options, ZIP code, vehicles, driving records, how much you drive and many more factors.

Why is car insurance for young drivers so expensive?

Teens are inexperienced behind the wheel and immature by nature. That’s a bad combination. A brand-new driver is 12 times more likely to have an accident than someone with a year of experience, says the National Institutes of Health. A 16-year-old who s had one accident is 50 percent more likely to have another, says the National Highway Transportation Safety Administration. In addition, maturity levels change quickly. Teens who get their licenses at age 18 have fewer fatal accidents than those who are licensed at age 16. Many insurers no longer lump all young drivers together but instead rate age groups separately.

At what age do young drivers’ rates go down?

The age of 25 is typically when insurance companies begin to offer the same rates they do to all other adults. Some carriers will lower rates for women when they turn 21 and men when they turn 24. Once you re no longer priced as a young driver, your insurance provider will rate you based on your driving record rather than those for young drivers in general. In addition to rating drivers based on age, insurers can also levy a surcharge for inexperience, usually for those who have been licensed less than a year. To get a better sense of how insurance rates change by age, see average insurance rates by age .

Discounts

Good student discount

Encourage your kid to do well in school because student car insurance discounts can help bring down your rates. Each insurer has its own guidelines, but typically the discount can be 10 percent to 15 percent. Each insurer always has its own rule for what constitutes a good student either a 3.0 grade point average or above, placement on dean s list or honor roll, or ranking in the top 20 percent of the class.

Safe driver discount

Look into discounts for new drivers who take a safe-driver course, sometimes sponsored by the insurance company. This may mean attending an actual classroom driver s education class, watching a driving video, or passing a written driving safety test. Your company may also offer discounts if the teen drives with devices that monitor driver behavior.

Cars for Teen Drivers

Given the cost of car insurance for your teen, you may want him driving a car this is cheap to buy and cheap to insure. Check out our list of the 20 best used cars for teens .

The least expensive cars to buy aren t always the least expensive to insure. Some cars cost more to repair after an accident, and some have a record of more injury claims than others do. And the least expensive car to insure may not be the safest. Electronic equipment such as stability control and antilock brakes can help novice drivers avoid accidents, and there can be a discount for having them. The lowest car insurance rates are often given to drivers with minivans and small SUVs.

Insurance for College Students

When a teen moves out to go to college, you ve got another car insurance decision to make, based on whether the teen owns a car, how far he moves, if he s going to drive a family car while in town, etc. Read our guide to car insurance for college students to get guidance for your unique case.


Teen Car Accidents #teen #car #accidents, #crash, #teenager, #auto #accident, #articles, #photo, #teenage, #male #driver, #driving #picture, #teen #car #accidents #statistics, #statistics #on #teen #car #accidents, #pictures, #junior #operator #license, #restrictions, #youth, #teenage #car #accidents, #of #teenage #car, #accidents #teenagers, #to #accidents #most, #cause #most #teenage, #teenage, #drivers #who, #cause #of #car, #in #the #car, #driving #techniques #that, #techniques #and #driving, #photos, #story, #young, #inexperience, #speed, #wrecks, #crash, #accidents, #crashed #cars, #crashed, #auto #accident #picture, #teens, #car #wreck, #motor, #road, #part, #video, #vehicle, #accidents, #teenagers, #wrecked, #car #accident #crashed.


#

Teen Car Accidents. Teenage Car Crashes.
Car Crashes are the leading cause of death for teens in the United States and accidents while driving cause 36% of all deaths in this age group according to the Centers for Disease Control. Drive Safer!

Teenage Driver Facts:
Deaths. 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.

Risks. The risk of being involved in a car accident the highest for drivers aged 16- to 19-year-olds than it is for any other age group. For each mile driven, teen drivers ages 16 to 19 are about four times more likely than other drivers to crash.

Stats. Teenagers are about 10 percent of the US Population but account for 12 percent all Fatal Car Crashes.

Costs. Drivers (both male and female) under age 24 account for 30% – $26 billion Dollars of the total costs of Car accidents in the US.

Male Versus Female. The car accident death rate for teen male drivers and passengers is more than one and a half times female teen driver (19.4 killed per 100,000 male drivers compared with 11.1 killed per 100,000 female drivers.

New Drivers. The risk of a Crash risk is much higher during the first year teenagers are able to drive.

Two Teenagers Killed

Warrensburg, Illinois

Teen Speeding Road Rage Crash

Atlanta, Georgia

Teen Drinking Crash

Minneapolis, MN

Why are Teenager Drivers at More Risk? According to Studies: Teenager drivers tend to underestimate hazardous driving situations and are less able than older drivers to recognize dangerous situations.

Teenager Drivers are more to speed and tailgate.

Having Male teen passengers in the car has been shown to increase the likelihood of high risk driving behaviors among teenage male drivers.

Of Male drivers killed between 15 and 20 years of age 38% were speeding and 24% had been drinking and driving .

Teens have the lowest rate of seat belt use. According to surveys about 10% of high school students report they do not wear seat belts.

Trailers Suck

Teen Encounters one

More Teen Accident Facts: About 23% of drivers ages 15 to 20 who died in car crashes had a Blood Alcohol Counts of 0.08 or higher.

About 30% of teens reported that within the previous 30 days, they had been a passenger in a car with a driver who had been drinking alcohol. One in 10 teens said that they personally had driven after drinking alcohol.

Teen drivers killed in auto crashes after drinking and driving. 74% did not wear a seat belt.

More than half of teen deaths from car crashes occurred between 3 p.m. and midnight and 54% occurred on weekends: Friday, Saturday, or Sunday.

16 Year Old Shattered Knee Cap

Florida

Junior Operator License

Utica, NY

Jaws of Life Save Teen

Pacific Heights, California

World Wide Crash Guide

Thousands of Crashes from 64 + Countries

Car Crash Videos? Send them to us.

Car-Accidents.com is being built by our millions of viewers who have sent in their experiences and shared their pictures and stories. The stories told on Car-Accidents.com range from those of tragic loss, narrow escapes, cautionary tales and routine rear enders. You are invited to share your story with the millions of visitors we receive from around the the world.

General Guidelines for Sending Your Pictures, Video and Story:

1. Please use either a jpg, bmp or gif format.

2. Tell us your story, there is no limit to what you can send us but please try include a description, date of the accident, (make model of the vehicle if known) and the accident location ( City, State, or the Country if outside US ). This makes for a more interesting page! You agree to our terms and conditions .
3. Send your photo and story to Thank you!

4. If your video is very large, please send us a link.

Car Crash Photo Gallery: Hundreds of Car Accident Photos

See Car Crashes Organized By US states Here

View Car Accident Organized by Country


Cheap Car Insurance for Teens & Young Drivers #cheap #car #insurance #in #maryland, #cheap #car #insurance #for #young #drivers


#

Buying cheap car insurance for teens: 6 essential tips

As the parent or guardian of a young driver, you know it’s essential to have good car insurance to protect them. Whether you’re paying for it or they’re working hard to foot the bill, it’s a new expense for your family. Fortunately, you can find cheap car insurance for teens without breaking the bank. Here are the six ways to lower the cost of a young driver policy:

1. Learn about Good Student discounts

Students with higher grade point averages are usually more responsible and better drivers. If your young driver earns a B average or better at school, you may qualify for a good student discount on Nationwide teen car insurance.

2. Install anti-theft devices

You may save when you install an anti-theft device in the vehicle. Your possible discount varies based on the type of device installed and the state in which the vehicle is garaged.

3. Keep rates low for teen car insurance with Accident Forgiveness

Accidents happen to even the best young drivers. And if one does occur, insurance rates may rise as much as 30%. If you have Nationwide’s Accident Forgiveness as part of your teen car insurance package, your rates will not increase following the first at-fault automobile accident.

4. Take a defensive driving class

When your teen successfully completes an approved motor vehicle accident prevention course. this Nationwide discount may help you get affordable car insurance.

5. Choose the right teen car insurance policy for your needs

With Nationwide, there are lots of ways to protect your teen while staying within your budget. For example, a higher auto insurance deductible may lower the rate, but could mean more out-of-pocket expenses after an accident. If the vehicle is older or has very high mileage, liability coverage may be a better option than collision or comprehensive – though it will not cover damages to the car after an at-fault accident. Getting the right coverage that best fits your needs is important for saving money on your teen auto policy. Learn more about Nationwide’s auto insurance coverage types today.

6. Stay safe with teen driving tips

One of the most reliable ways to keep insurance costs low is to avoid accidents. Learn about the risks teen drivers face and get tips for how to prevent them. Nationwide’s teen driving resource center offers practical information about teen decision making, distracted driving, the role of parents in teen driving and more.

Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which control coverage determinations. Such terms may vary by state, and exclusions may apply. Discounts may not be applied to all policy coverages.

Share Article