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Archive for August, 2010

Why The Color Of Your Car Affects Your Quote

Sunday, August 8th, 2010

Our society is programmed to associate color with meaning. For example, we dress in black attire for a funeral to symbolize our mourning of the deceased. Babies who are dressed in blue are assumed to be boys, while girls are outfitted in pink. Color matters in many ways, and for some people, there is a strong belief that the color of your car can affect your auto insurance quote. This belief is far from the truth. Auto insurance quotes are determined by numerous factors; however, a vehicle’s color is not one of them.

Whether it’s high or low, your auto insurance quote is based on the vehicle’s year, make and model. Insurance companies also want to know how you will be using the vehicle and if there will be additional drivers. In addition to this, the vehicle’s safety features, along with your driving record and zip code plays an important role in your auto insurance quote. Most insurance companies don’t even bother to ask the color of your car. From their business perspective, it is invalid information. Thus, there is no need to mention it when searching for auto insurance quotes.

The idea of an auto insurance quote being affected by a vehicle’s color is a myth. This misconception is strongest believed about red vehicles. People associate the color red with speed; therefore, they believe a red vehicle would result in a higher auto insurance rate. Their imagination goes a step further by believing red cars get more tickets because of their speed. Granted, a speeding car can cause a driver to get a ticket; however, it is the driver’s speed that causes this effect, not the car’s color.

There is no evidence that red vehicles get more tickets than any other vehicle color. A red convertible being ticketed has absolutely nothing to do with the car’s color. It’s simply just the driver is driving recklessly. The same consequence would occur if the convertible was white.

You can avoid a getting a ticket by being an obedient driver rather than a risky one. This, in turn, will keep your driving record free of speeding tickets. And best, this rewards you with lower auto insurance quotes.

So, if you want to buy an automobile in a color as adventurous as red, go ahead, without hesitation. There is no punishment for driving certain colored vehicles. The punishment comes from your own recklessness. Thus, be a safe driver. Insurance companies will still give you the same consideration for auto insurance quotes as they do drivers driving other color vehicles. Luckily, this is one of those times where color doesn’t matter.

Why It Is Expensive To Insure A Teen On Your Policy

Saturday, August 7th, 2010

If you have a teenage driver, you probably have a lot on your mind — but getting a good auto insurance quote shouldn’t be a major burden. Traditionally auto insurance quotes for teenagers are quite high, so many parents may consider adding their teen driver to their own policy as a way to save money. But the fact is that adding a teenager to your own insurance policy may be just as expensive, if not more expensive, than insuring your teenager under their own policy.

There are several reasons adding your teenager to your insurance policy might be more expensive than finding them an auto insurance quote. For example, many auto insurers use statistics to formulate their auto insurance quotes for younger drivers, and statistics are not in favor of younger drivers. Statistics demonstrate that drivers between the ages of 16 and 19 are the most likely age group to be in a vehicular accident. The cost of injuries in accidents is also high for teen drivers. Estimates state that young drivers may account for as much as 30% of the cost of injuries to men and 28% of the cost of injuries for women. Per mile, teenager drivers are four times more likely to be in an accident than any other age group.

Higher levels of risk taking behavior may account for why teenagers tend to be in more accidents than other age groups — a main reason for why they are expensive to insure on your own policy. Many teenagers have yet to develop the ability to asses risky situations properly, usually downplaying the amount of risk to themselves and others, even in a driving situation. Therefore, a teenager is a likelier to make a poor judgment call that results in an accident, like going ahead and making a left-hand turn in front of an oncoming car that is approaching them faster than they had anticipated. This kind of poor judgment results in more accidents than other groups of drivers.

Teen drivers are also less likely to engage in safety measures than other age groups, making them an expensive prospect to add to your insurance policy. Auto insurance quotes take this into account in their estimation of insurance rates. Teen drivers are less likely to use seat belts, for instance, causing a higher rate of injury when they are in accidents. This can drive the rate of an auto insurance quote up dramatically.

Your teenage driver can run auto insurance prices up for the whole family, especially if you add him or her to your own policy. Consider researching getting your teenager their own policy in order to save on insurance.

How Waiting To Get A License Increases Rates For Teens

Thursday, August 5th, 2010

For most young teens, the day after their 16th birthday passes, they are in line at the Motor Vehicle Department (MVD) waiting for their chance to take the driving exam. For some parents, however, this day represents a nightmare. Caregivers have visions of high auto insurance quotes for their children, and even a larger auto insurance quote for themselves should their newly minted driver do something dangerous or illegal. For this reason, many parents refuse to allow a child to drive immediately after their license is obtained, or wisely make the young person pay for their own car or insurance. This, in turn, leads some young people to delay getting their license since they cannot afford either the cost of an auto insurance quote or a vehicle; but this can be a bad choice, as delaying getting a license may result in higher auto insurance quotes in the long run.

Why? Experience. One of the major factors an auto insurance provider will take into account when quoting a teen driver is driver’s experience. The longer they have held a license that carries no speeding tickets or other moving infractions, the safer the company will judge them to be. The 16 year old that waits until they are19 to get their license will likely pay more for insurance than the 16 year old who obtained their license immediately, and then simply drove their parents’ car, even if all trips were with a parent present. The greater amount of experience, based on the time the license was issued, will make an insurance company more likely to give a lower quote.

The young driver who chooses to wait does themselves no favors because even if their license is used only for ID, it will be listed on the MVD system and will not show any demerits or other infractions, such as traffic tickets or auto accidents. Even a young driver that has several speeding tickets will likely fare better than one that chooses to wait, as again, the difference in their experience speaks volumes. Even waiting until the mid-20s can be dangerous, since although the person is much older and more responsible at that time, statistics, not individuals, are what insurance companies base their polices on.

For any young teen drivers looking to lower their auto insurance quotes, obtaining a license as soon as possible is a good idea. As long as they drive safely and avoid traffic tickets, even if it is with parents or in a limited capacity, it will help lower the cost of insurance.

How Reckless Driving Drives Up Rates For Teens

Tuesday, August 3rd, 2010

If you have a teenage driver, you probably have a lot on your mind; but getting a good auto insurance quote for your teen shouldn’t be one of them. Traditionally auto insurance quotes for teenagers are quite high due to many risk factors. Some parents think adding a teen to their own policy may be less expensive; or perhaps, getting the teen their own policy may be less expensive. Rates depend on the insurance company, which is one reason you should shop around for good auto insurance quotes.

There are several reasons why reckless driving drives up rates for teens. Many auto insurers use statistics to formulate their auto insurance quotes for younger drivers, and statistics are not in favor of young drivers. Statistics demonstrate that drivers between the ages of 16 and 19 are the most likely age group to be in a vehicular accident. The cost of injuries in accidents is also high for teen drivers. Estimates state young drivers may account for as much as 30 percent of the cost of injuries to men, and 28 percent of the cost of injuries for women. Per mile, teenager drivers are four times more likely to be in an accident than any other age group.

Higher levels of risk taking behavior may account for why teenagers tend to be in more accidents than other age groups. Whether you call this poor judgment or reckless driving, the fact is auto insurance companies see it as risky behavior—behavior that may result in more cost and money for them. Many teenagers have yet to develop the ability to assess risky situations properly, usually downplaying the amount of risk to themselves and others, even in a driving situation. Therefore, a teenager is likelier to make a poor judgment call that results in an accident such as going ahead and making a left-hand turn in front of an oncoming car. This kind of poor judgment results in more accidents than other groups of drivers.

Teen drivers are also less likely to engage in safety measures compare with other age groups, which also contributes to them being seen as reckless drivers. Auto insurance quotes take this into account in their estimation of insurance rates. Teen drivers are less likely to use seat belts, for instance, causing a higher rate of injury when they are in accidents. This can drive the rate of an auto insurance quote up dramatically.

Your teenage driver can increase auto insurance prices up for the whole family. Consider researching getting your teenager their own policy in order to save on insurance, and remember that comparing many different quotes can save you money.

How Defensive Driving Classes Drop Rates For Teens

Sunday, August 1st, 2010

Teens who successfully complete defensive driving habits will be offered a lower auto insurance quote than teens who have not had any type of formal training. The insurance company can offer lower auto insurance quotes because the teens have documented proof that they have been exposed to defensive driving techniques that can make them safer drivers. If a teen is a safer driver, the insurance company can expect to pay out on fewer claims. Since the premium rates are based on the expectation of potential claims that will be filed, the insurance company will charge less if the potential for claims is lowered.

Proof the Teen Knows the Rules of the Road

A defensive driving course is an in-depth study on how to drive safely. It teaches a teen all of the necessary skills to avoid getting into an accident. Insurance companies will reward a teen who has gone through a defensive driving course with lower auto insurance quotes because the course will stand behind the training they have provided. The certificate the teen receives at the end of the course proves they have been exposed to all of the defensive driving facts and has demonstrated an understanding of them.

Training Techniques to Make Teens Safer

There are several in-depth training techniques taught during a defensive driving course. The teen will be taught to look at a few cars ahead them and a few cars behind them in a line of traffic so they can anticipate any changes in speed. They are also taught how to react in a safe manner when another car behaves in an unexpected manner. Defensive driving is the best way to avoid getting into an accident. A lower auto insurance quote is just one of the many benefits a teen receives when he or she completes a good defensive driving course.

Understanding of the Consequences of Reckless Driving

A portion of any defensive driving class is devoted to describing the consequences of driving recklessly. There are usually graphic examples of car accidents that were caused through inattention to driving. Defensive driving courses will show teens what happens if they take their eyes from the road or try to race through yellow lights at the last minute. Insurance companies trust that the teens that have been exposed to the grim consequences of poor driving habits will be more inclined to drive safely and avoid those consequences. Safe driving can benefit the insurance company because there will be fewer claims, but it also benefits the teen because they avoid the injury and auto damage that a bad accident can cause in someone’s life.

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