Car Insurance And Teens - Automobile Insurance

Rather an offbeat topic.. isn't it ? But it's something worth making a note of, particular for those families where "teens" rule !

Your teenager has just become a new driver joining millions of other motorists. You smile at the same time you quickly think about the added pressures of having a new driver in the family

So obviously, teenagers should drive vehicles that reduce their chances of a crash and also drive vehicles that offer state-of-the-art protection in case they do crash.

Teen drivers not only lack experience, for many of them possesses immature behavior, such as speeding and reckless driving, is common. They may drive cautiously when mom or dad is in the car, but when they're on their own or with other teens, bad driving is often the norm.

These recent statistics offered by law enforcement officials give you reason to be concerned, but they are also meant to stress the importance of proper education for teen drivers:

Auto crashes are the leading cause of death for young people between ages 16 and 20. Most motor vehicle accident-related deaths among teenagers occur on weekends. The teenage driving group makes up 7% of licensed drivers, but suffers 14% of all fatalities and 20% of all reported accidents.

These figures are alarming, but car crashes are preventable with solid education and guidance and accordingly, teens are invited to visit GEICO's teen safe driving library of materials at http://www.geico.com/auto/safety.

The topics covered in their videos and brochures can help you in keeping your teens safe while driving, and include the following suggestions:

Also don’t let your teen drive at night or with friends in the car until you are certain that they are a safe and responsible driver. Insist on using a seat belt and observing the speed limit, especially in residential neighborhoods and school zones. Highlight the dangers of driving while intoxicated and also indicate to them that the use of mobile phones, eating and being distracted by the radio can add significant obstacles to an inexperienced driver.

Conveying the message of proper driving to your teens can help keep them safe and could have a positive effect on your auto insurance by helping ensure that our newest drivers understand the importance of safe driving

Teens are once again invited to visit GEICO's teen safe driving library of materials at http://www.geico.com/auto/safety. GEICO provides the materials at no cost to families, driving classes, law enforcement officials and state agencies.

GEICO added "Teens and Trucks" to its online library of safe driving materials for teen drivers. The brochure, developed with the American Moving and Storage Association, includes valuable information for teens on how to safely share the highway with large trucks.

Now did you know that there were some 1.7 million vehicle-related thefts during the 2005/6 financial year? And it gets worse over the Christmas period not least because people leave tempting-looking festive shopping bags lying on their back seat!

Driving for five years or more without making a claim on your car insurance will typically give you a discount of up to 65% on your premiums

Cars with smaller engines attract lower premiums too but you should avoid making any subsequent modifications that will put your car outside the standard set by the manufacturer.

You can also keep insurance costs down by paying the premium in full up front. Insurers can charge as much as 30% extra if you pay your premiums on a monthly basis.

If you don't do much driving, make sure you let the insurer know as most will give you a discount for low mileage. And offering to pay a higher excess in the event of a claim will also keep the premiums down.

Most importantly, shop around. Prices can vary hugely among insurers so it's always worth seeing if you can get a better deal elsewhere when your renewal notice drops on the doormat.

GEICO (Government Employees Insurance Company) is the fourth-largest private passenger auto insurer in the United States.

GEICO, a member of the Berkshire Hathaway group of companies, is rated A++ for financial stability by A.M. Best Company. GEICO keeps its rates low by dealing directly with the customer. GEICO provides consumers with outstanding sales, service and claims capabilities on its geico.com Web site 24 hours a day, seven days a week. 15 minutes could save you 15% on car insurance.

For more information, go to http://www.geico.com/.

GEICO provides the materials at no cost to families, driving classes, law enforcement officials and state agencies.

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