Many parents will buy their teenagers their first used car shortly after they turn sixteen. Once mom or dad has helped their teenage driver find a good and reliable used car it is time to find car insurance that won’t cost them an arm and a leg for their new driver. New drivers will typically have higher premiums than older drivers who have more driving experience.

Even though new drivers are considered inexperienced, the premium that you pay doesn’t have to empty your checking account. In fact, parents can save a little bit of money by using their existing insurance policy. Many companies will offer “multi” discounts. This means that if the policyholder has more than one car on their policy, then they will usually get a discount on the additional cars. Other insurance companies will offer auto and home insurance together and this can make paying your insurance even easier. If you are adding a new driver and car to the policy you may receive multi-driver and multi-car discounts.

If the new driver has had a driver education course such as Driver’s Ed in high school, then you may also be able to receive a discount. Many schools offer these courses and if they do not, you may find them available through private companies. You can also take the course and receive a discount for both you and your new driver. Many insurance companies offer these discounts and because many states are requiring that students take these courses, then the situation is even better for you.

Some insurance companies also offer a Good Student discount. These programs award students by offering discounts to students who make good grades in school. If a student also takes a defensive driving course voluntarily, you may also be able to save by sending the certificate to the insurance company, as most insurance companies offer defensive driving discounts as long as the course was not a requirement for a speeding ticket.

Teens have higher accident numbers than any other age of driver. As they progress from being 16 to 17 to 18, their driving gets better as they gain experience. This is why it is important to be prepared for teen car insurance to be more expensive when they first begin driving. They are a higher risk because they tend to be involved in many more accidents. As a parent, you will need to expect to pay that higher premium, but as the teen becomes more experience you can expect that premium to begin dropping on a yearly basis. To make car insurance more affordable for your teen, you should be prepared to budget in that amount when purchasing them a used car.

Car insurance is also a good opportunity for students to learn responsibility. They should be able to help parents pay the premium through summer or part time jobs. They should also learn the effect that a traffic ticket or accident will have on their premium. They will also be able to see how being a good student allows you and them to save money on their insurance.

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Accidents can happen anytime, even if you are an extremely cautious and defensive driver! Most accidents actually occur within a 25 miles of the home, according to a Florida highway spokesman. Sometimes, they happen right in your own driveway. Just ask my sister-in-law who hit her friend’s car in her driveway while backing up! No matter where they occur there are a series of steps that should be followed after an accident.

The Consumer Protection Association of America continually develops a list of recommendations for drivers so that they’ll actually know what they need when a traffic accident occurs. This fine organization takes major steps to increase public awareness regarding traffic safety. Some of the steps are preventative and should be followed now before you’re involved in an accident.

One, have an emergency kit in your glove compartment or storage area. The kit should include a cell phone, pen, pad of paper, and a disposable camera (this is very important). With today most of us carry a cell phone, which takes pictures. As long as you insure that your cell phone is with you and carries a charge this should suffice for the cell phone and disposable camera in the kit. These items are for recording the key information regarding the accident and the scene. You should also have a card with information concerning any medical allergies or conditions you have that require special attention, as well as emergency contact information. It is also recommended by other agencies that you have a number list ed on your cell phone under ICE (in case of emergency), where the attending policeman or EMT can simply hit speed dial on your cell phone to reach your emergency contact. You should also have traffic cones, warning triangles and emergency flares in your trunk.

Two, you need to insure that safety is first! When you are involved in a minor accident and there are no serious injuries, make sure that the vehicles are moved to the side of the road. Do not stay on the road and become an obstacle to oncoming traffic. If you do this, it may result in the occurrence of more and more serious traffic accidents because of your vehicles creating an obstruction in the road. My wife was rear-ended by another woman on an exit ramp and they both left their vehicles on the ramp believing it to be safe and that it was important for the police to see the exact position of the vehicles. In spite of the fact that both vehicles were clearly visible for a minimum of 300 yards and they both had their flashers on, another drive came up and rear-ended the SUV that had originally struck my wife! My wife called me on the cell phone and told me what was going on and I told her to get those vehicles off of the road right away! If the car or cars is not movable, make sure that the other motorists are warned by turning on the hazard lights and setting out flares, traffic cones or orange triangles to divert traffic. If you cannot move the vehicle, do what you can to alert the traffic and then move away a safe distance in case of any further accidents.

When you are involved in an accident with serious injuries make sure that no one is in immediate danger (from fires, falling tress or telephone poles, etc). After you have made sure of this, attend to those hurt. It is important that you not move anyone that has been seriously injured unless they are in immediate danger. Further injury can occur from movement. It is always a good idea to let the emergency response teams attend to and moved the injured whenever possible to help prevent this.

Three, exchange all of the important information with the parties involved. You’ll need to obtain the other driver’s name, addresses, phone numbers (home and work), insurance company, car insurance policy number, driver’s license number, license’s plate number, and make sure to write down a description of each car, the year, make, model, color and any apparent damage. Also, write down what occurred during the accident as soon as possible. Pay special attention to the position of the vehicles, sequence of events and the cause of the damage.

I recommend that you write down all information readily available to you without the cooperation of the other driver such as the license plate number, make, model and color of the car, driver description and brief description of other occupants. Also, obtain any witness information at this time. As long as no one is hurt, most witnesses will soon depart the accident scene, and you want to make sure that you have their information. After obtaining this info, then approach the driver about their information like driver’s license number, insurance information and contact information. This makes sure that the other driver cannot bolt from the scene while you are distracted without obtaining information and it lets them know that you are all business.

Four, take photos of the accident scene and the cars involved. Use your disposable camera or cell phone to document the damage to all the vehicles and the scene of the accident. If there are important points to demonstrate such as long skid marks, hidden entrance/exit, etc. make sure to document these as well. Make sure that the vehicle photos illustrate the total context of the accident so that they will back up your claims. If there are witnesses, make sure to ask them for their name and phone number, and ask if they’ll help you in case of problems with the other driver disputing what actually happened.

Five, file an accident report as soon as possible and obtain a copy of it as soon as it is made available. In some areas law enforcement officials do not respond to traffic accidents unless injuries are present. You should always call the police and request that an officer come to the scene to right up the police report. They will obtain the information from the other drive, if they are uncooperative with sharing the information with you, and they will write down their observations of the scene of the accident, which will further support your claims. If you cannot get a policeman to the scene where your accident occurs, find out how you go about filing an accident report and do so right away. You may have to go to the local police station or you may be able to download accident report forms on-line depending on your locale. A police report usually helps speed up the claims process.

Six, understand your insurance coverage before an accident. The more you know about your insurance coverage the easier the claims process and procedure will go. Does your policy cover towing or a replacement rental car fee? If yours does not and the accident was the other driver’s fault immediately make a claim for this with their insurance company.

The question everyone is typically concerned with is “Who is going to pay for this?” If it is the other driver’s fault you should insist that they pay for the damage. If they agree, get them to acknowledge this in writing if possible. The other drive may be agreeable to pay for the damage now, but after a little time goes by and they are not in your immediate presence they may have a change of heart and decide to try and stiff you (this is why you need witnesses, documentation, etc.).

I recommend calling someone if available to assist you in the accident management process. They will be much calmer and more objective in seeing that everything is carried out. I arrived prior to the police at my wife’s previously mentioned accident when our van was rear-ended. I checked and made sure that everyone was okay. Then I made sure that the vehicles were a safe distance from the road. Next, I obtained all of the vehicle information (make, model, color, license plate number), photographed the vehicles and the accident scene. I then obtained the driver information from the other two drivers involved. After I obtained the car insurance information, I immediately contacted the other driver’s car insurance company and had them open a claim for the damage that had been done to our van. I did all of this before the policeman completed writing his report. I then talked to the police officer and obtained his name and learned the content of his report. When I determined that I was satisfied the content accurately portrayed what my wife indicated had happened, I asked him for the report number so I could obtain a copy as soon as possible. My doing this streamlined the whole process for our claim and it moved through like clockwork.

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Drivers of modified cars are finding it more and more difficult to show off their artistic masterpieces on streets all across the US. California may have led the way in cracking down on what the state terms as traffic offenses, but other states are following suit. No one can argue that the modifications in these modified cars have gone way beyond what was being done to the original hot rods, but should these modifications really be illegal? Are they really hurting anybody?

While it is true that some enthusiasts have juiced up their engines using illegal means, it is also true that most of those modified cars that have been singled out were not initially pulled over for speeding infractions. In fact, the crackdown on modified cars seems to stem more from an aesthetic problem than anything else.

Many of the violators have been ticketed for exceeding the noise pollution laws. Drivers of modified cars counter that they are being singled out because of unfair comparisons to the drivers in such movies as The Fast and Furious. They claim that the portrayal of modified car enthusiasts in that movie series has caused a backlash against real life owners.

The police forces of not only California, but various other states deny that charge, however. They say that the new breed of modified cars presents a safety risk at high speeds whether it involves racing or not. They point to the increased level of accidents involving modified cars sporting darkly tinted windows, custom rims and wheels, and exhaust pipes. California has, of course, long been the center of the hot rod and modified car universe in America, but the crackdown is spreading all across the country.

But owners of modified cars don’t appear ready to roll over and play dead. In addition to flooding the internet to increase support for their side of the argument via blogs, forums and web sites, they are also attacking the problem via America’s greatest legacy: dissent.

For instance, modified car owners are attacking the crackdown in the state of Virginia with an online petition. The petition identifies the problem as stemming from the vague terminology in Virginia’s laws for modifying exhaust systems and suspension.

Modified cars have been targeted by law enforcement officers for decades. And it is certainly true that drivers of modified cars may be more tempted to engage in high speed racing than the rest of us.

The debate is sure to rage for some time as owners of modified cars feel unfairly singled out and as law enforcement officials feel compelled to make the streets as safe as possible for everyone. The divide between car enthusiasts and the police is likely to grow wider, however, as new and more exciting modifications are discovered.

Defensive driving gives you the essentials on road safety measurements. All the drivers must know this simple driving fact that you can control your action(s) on most of the on-road occasions, but you cannot control or can’t even know what is happening with other drivers on the road. So, defensive driving provides ample information and knowledge to all those people who are looking for comprehensive and lifetime solutions against accidents and other on-road mishaps.

Defensive driving is also known as advanced driving. This is one sophisticated and next level type of training that automobile driver can undertake and learn to master the basic mechanics of driving. They can indeed master all the rules of roads. The aim of the training is to minimize the risk of driving by proactively and spontaneously avoiding dangerous situations despite incorrect actions or adverse conditions on the road. All these and much more can be accomplished via commitment to specific rules as the constant practice of particular driving techniques.

Well, considering the true essence and aspect of defensive driving, you would find out that it is a style of driving wherein you need to take every possible precaution to prevent any mishap from happening. Defensive driving is a brilliant way of keeping you and your family safe while driving.

So, let us take a look at some of the rules relating to defensive driving.

The first and the foremost aspect, is to become fully prepared before taking on your vehicle on the road. You need to check and ensure certain important aspects like water levels, gas, and oil and tire pressures of your vehicle. You also need to check seats, mirrors and ensure important documentations like insurance before hitting the roads.

The second aspect related to defensive driving is that you should never react to road rage and neither display it. This ensures that you don’t break traffic rules recklessly and arrive to any condition which causes harm to you or others.

It is advisable that you purchase bright colored cars. Car colors like yellow, orange or red can make your car easily visible and prominent on the roads. On an average basis, bright colored cars are less likely to be involved in an accident rather than light colored cars.

Usage of headlights is an important aspect related to defensive driving. It ensures that others can see you coming and you can also see clearly during night driving. While you drive, you need to ensure that you apply the three second rule. This rule states that you should at least maintain a driving time of 3 seconds behind the vehicle in front of you. You should maintain this driving time all of the times. However, if the car condition or environmental conditions are bad, you should increase this driving time to 5 seconds.

While driving you should avoid the cars that reflect signs of being damaged down or are broken down. Researches and studies have shown that these cars are prominently driven by bad drivers.

Follow defensive driving and have a happy and safe driving!

Every car commercial tells you that their car has a five-star safety rating. Does this score really mean anything? What tests are being performed and who does the measuring?

The Organizations

In the United States, there are two organizations that score cars on safety ratings, the National Highway Traffic Safety Administration (NHTSA) and the Insurance Institute for Highway Safety (IIHS). The NHTSA is run by the Department of Transportation and is sometimes called the New Car Assessment Program (NCAP) or the government five star rating.

Frontal Collision Ratings

The NHTSA gets its data by running a car directly into a wall at 35 mph. The IIHS does a different test, where the impact is offset, and not directly in the middle. The IIHS test does a better job of mimicking real-life accidents. While most cars do well in directly head-on collisions, most real-life collisions are offset.

The NHTSA scores with five stars. Five stars means that there is ten percent or less chance of injury. Injury is defined as something life-threatening or for which you will need immediate hospitalization. Four stars is between eleven and twenty percent chance of injury. Three stars is between twenty-one and thirty-five percent chance.

The IIHS score is not in a five star format. They rate a vehicle as Good, Acceptable, Marginal, or Poor.

The NHTSA and the IIHS scores should be looked at in conjunction with one another. Remember, both these scores only rate what would happen if you collide with another vehicle the same size as yours. However, many crashes involve only one-vehicle, so these tests are useful.

Side-Impact Ratings

Again, the NHTSA and IIHS uses different side-impact tests. The NTSA crashes a giant beam into the side of a car and measures the shock on two male-sized dummies. They then make a star rating based on the chance of chest injury to the dummies. Five stars means less than 5% chance of injury, four stars is 6%-10%, and 3 stars is 11%-20%. They don’t gage the damage to the head in this star rating, but if they think that it is excessively dangerous, they will add a safety note to their report.

The IIHS uses dummies that represent adolescents or small-statured women. This helps assess the safety of people other than men in the car. They also use a larger beam. They score their rating based on injury to the head, neck, chest, abdomen, pelvis, and femur. This is arguably a more comprehensive test than the NHTSA test.

Rollover Ratings

The NHTSA is the only company that does Rollover ratings. Rollovers are often the most fatal type of accident. The NHTSA measures the chance of a car rolling with no external catalyst, and the chance of it happening for a reason (hitting a shallow ditch, hitting the curb, going onto the shoulder). 95% of rollovers are “tripped,” and have some external element.

Recent NHTSA testing has proven what we know about SUVs being much more likely to rollover than sedans or other cars.

Low-Impact Bumper Test

The IIHS performs a low-impact bumper test to see how much repairs would cost you if you gently hit something by accident. They rate the cars accordingly. Although this is not necessarily a safety rating, it will tell you what you can expect for possible repairs for your car and is something to keep in mind while purchasing a car.

When you shop

Considering the safety ratings of cars is important. But it is also important to know how these ratings are measured so that you can make the most informed decision about your purchase. Maybe you want your car to be cool, or to be functional, but most of all you want it to be safe.

If you’re a driver who is aging, it doesn’t mean you are a driver who is facing a lack of automotive insurance. Quite the contrary, if you are a driver who is aging, you could very well be facing discounts in automotive insurance.

Depending on the automotive insurance company through which you are insured, you may be eligible for various discounts. For example, many insurance companies that specialize in more than one kind of insurance will offer discounts to policyholders who purchase more than one insurance policy from them. Many people choose to purchase both their automotive insurance policies and their homeowner’s insurance policies through the same insurance company, which results in a discount in premiums.

Some insurance companies also offer discounts to aging drivers who have good driving records, and for various reasons. Drivers certain ages, usually 50 years of age and older, who have been driving for many years, are viewed as being less of a risk than new drivers – especially if they have good driving records. Aging drivers are seen as more responsible. Plus, aging drivers are less likely to go “joy riding” like younger drivers are, which puts them at less risk for traffic accidents and violations.

Aging drivers who are looking for discounts should follow the same tips as any other driver. Drive a safe car, park it in a safe location, and make sure it has anti-theft safety components. Keep traffic violations and accidents to a minimum, if not nonexistent, and try not to drive a significant number of miles more than necessary a year.

Some automotive insurance companies even offer discounts for aging drivers who participate in driving programs that the insurance companies provide, or participate in with another company. These driving programs are designed to refresh and sharpen driving skills, as well as restore defensive driving tactics.

So, the next time you worry about automotive insurance because you’re an aging driver, stop!

With rapid advancement in technology, cars have undergone a paradigm change in their appearance as well as the speed that they are capable of achieving. The inventor, Mr. Ford himself would be surprised at the way his invention has got along. It is speed more than any other factor that has necessitated car safety measures to be kept at pace with the technological advancement in other spheres.

The automobile industry, fortunately, is very much aware of the need to prevent injuries and deaths caused to drivers and passengers alike due to rampant speeding which has become more of a rule than an exception.

Car seat belts did not serve the designed purpose till the time most of the states made it mandatory to fasten seat belts under threat of penalties under law. It even evoked some manufacturers to design seat belts that would automatically secure drivers and passengers after ignition.

The newer cars are nowadays equipped with another restraint system in shape of air bags for the safety of all those sitting in the car. In many models these air bags are placed in a way that will inflate and protect the driver and the passengers both in the unfortunate event of a collision. These air bags coupled with seat belts that can be adapted for child car safety seats provide sufficient safety to car users.

However, car safety should not only be the concern of the car manufacturer but also of the driving and traveling public. There is no way by which all accidents can be avoided but prevention is always better than a cure. It is incumbent upon us that we choose a car which is safe for us and our families and always make it a rule to use the restraint system available in the vehicle. A visit to http://www.nhtsa.dot.gov, the website of National Highway Traffic Safety Administration will provide all the information about how different models rank with regards to car safety devices. The information that you may collect from there will prove helpful in making up your mind as to which vehicle to go for be it cars, pick up trucks, SUVs, or vans.

An informed decision while buying a new vehicle and adhering to the restraint devices installed in your car, will help to a great measure in ensuring the safety of your family and others traveling with you.

The Impact of Traffic on Drivers report – co-authored by health psychologist David Moxon – identifies a new condition named Traffic Stress Syndrome (TSS), a form of psychological anxiety that manifests itself in certain drivers while stuck in traffic.

According to the study, close to one in three drivers – nine million* UK motorists – currently suffer from TSS and show symptoms of the condition after being held up in traffic for as little as three to five minutes. One in five (20 per cent) experience increased heart-rates and headaches (19 per cent) and one in 10 endure sweaty palms (12 per cent). In more severe cases drivers report nausea, dizziness (eight per cent) and stomach cramps (eight per cent) among the symptoms experienced.

The impact of these symptoms along with the Direct Line research reveal a shocking picture of the full extent of TSS on driver behaviour. Loss of concentration and hazardous driving brought about by the condition, have resulted in over two million** accidents for TSS drivers during or following traffic jams.

Direct Line spokeswoman, Emma Holyer, said: “The findings are very worrying – with more vehicles than ever on British roads, driving has inevitably become more stressful, and, as a result motorists are suffering. We would encourage drivers to take deep and slow breaths and try to think about other things than the jams when sitting in heavy traffic to avoid getting Traffic Stress Syndrome.”

Psychologist David Moxon who was part of the research team, described the importance of the findings:

“TSS is a form of stress that manifests itself in frustrated drivers – there is evidence to suggest that chronic TSS can be detrimental to both the physical and mental health of the motorist.”

Direct Line’s top tips for sufferers of TSS compiled by David Moxon:

1. Take deep and slow breaths
2. Listen to calming or relaxing music
3. Use cognitive distraction tasks such as thinking of loved ones
4. If you have a recycle button on your air con use it – this will stop exhaust fumes from the traffic jam coming back into your car
5. Place some aroma-oil on a tissue and keep it in the cabin to fragrance your car

[PRWEB]

tagTRAX: tss | drivers | traffic | stress syndrome | sweaty palms

Emerging wireless technologies for vehicle-to-vehicle communication promise to dramatically reduce fatal roadway accidents by providing early warnings to motorists. As well as improving road safety, such technologies will also help optimise traffic flow and enable drivers to take greater control of their vehicles. [PRWEB Aug 12, 2005]