The financial trauma of linking a teenager to a family’s auto insurance policy is getting less traumatic – at least some. An annual analysis, rate comparison site, was found by Insurance Quotes.com, adding that adding a teenager has still increased significantly in annual premiums, but its intensity has declined in the last few years. By adding a teenager to a policy, an annual premium increased by 78 percent or $ 671. But since 2013, the rate hike is decreasing, when the average increase was 85 percent. Senior insurance analyst Laura Adams with Insurance Quotes said that in this trend, factors may include safe automobile technology, the decline in the number of drivers receiving drivers’ licenses and the continuation of “graduate” driving programs, which are new Get more experience on the road to ban drivers, but on the effect of linking teenagers to a policy There is a shock for the wrecks, especially those boys who are involved. Increasing the male adolescence on your insurance policy, average average rate of 89 percent compared to 66 percent for women’s adolescence was found in the analysis.
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Ms. Adams said that when a teen was added, because statistically, young drivers, especially boys, have more accidents than older, more experienced drivers and record more insurance claims. According to the National Highway Traffic Safety Administration, about 1,900 drivers of 15 to 20 years of age were killed in car accidents in 2015, which is 9 percent more than in 2014. According to the Centers for Disease Control and Prevention, motor vehicle accident is the leading cause of death among adolescents. With most insurance costs, the effect of adding a teenager varies according to the state. Adding adolescence to Rhode Island reduces more than 150 percent compared to premium, while parents in Hawaii increase by 8 percent. For analysis, insuranceQuotes.com has hired an insurance data firm, Quadrant Information Services, to calculate an increase in the price of a family’s auto insurance policy to add drivers for the age of 16 to 19 years. The average a fictitious couple – both men and women, are both 45 years old but married and employed – each year with 12,000 miles of each drive and good credit and driving records. The policy tested includes $ 100,000 for injury liability, $ 300,000 for all injuries, a $ 500 reduction on collision and comprehensive coverage, and uninsured motorist coverage.
Here are some questions and answers about teenagers and auto insurance:
How can I reduce the cost of being a teen driver on my policy?
Kathy Bernstein Harris, senior manager of the Kishore Driving Initiative at the National Safety Council said that some insurance companies have offered discounts to students receiving good grades (even if it is not clear that a good student is affiliated with safe driving. ). Discounts for new drivers are often available, which take driver education classes. Ms. Harris was the best way to reduce claims and keep costs low and to keep her child safe, and to have time to coach with the teenagers and coaching them, they still pass their driver’s license test We do. “Getting a piece of plastic does not mean that they are ready for a completely open road,” she said. “The first year of independent driving is risky.”
Many state programs prohibit teenage drivers, such as limiting the number of curfews and other people for night driving, especially other teens, who can ride with them in the car, Ms Harris urges parents That they follow such rules. He said, “You put you in the car with every teenager,” he said, the risk of accident increases.
The Council’s Dedithholm website provides resources for parents and teens, including interactive safety tests.
Are some cars safe for teenagers in comparison to others?
Each year, the Insurance Institute publishes a list of safe, affordable cars for highway safety. In general, large, heavy vehicles are best, Ms. Harris suggested that parents do not buy new cars specifically for their new adolescent driver, or if they do, they make it clear that The car is the family car, rather than the driver of the private driver of the driver. By making the car a “family” car, she said, parents can make rules better for their use and talk about their child and who to expect to go with.
In addition, he advises teenagers to research on the safety and cost of a new car, one way to teach them a lesson about budget, and to stress the need for safe driving habits.
Are there apps that can help to reduce distracted driving?
Technology is emerging which can disable texting and social media on sailing, while car speed is a system, cell control, favorable review by recent consumer reports. The organization also provides other suggestions for reducing distracted driving and for increasing the security on your website for teenage websites.
Source: Best Health Insurance UK