Car Surfing and Teenager Automobile Insurance Costs

Thrill-seeking teenagers are making what’s known as “car surfing” a rather more commonplace incident on roads, and comparable to skateboarding teenagers using a “half-pipe” without a helmet, but the activity can end in catastrophe.

Watching a favorite movie star in a film hold onto the side of an automobile in an escape attempt or deadly stunt can be exciting for anyone. In fact, the action should include a “do not attempt” alert, because teenagers are climbing onto vehicles and holding on for their lives, and part of this comes from the “Reality TV Shows” that everyone is enamored with.

Car surfing is when teenagers ride on the roof or hood of a moving car, while somebody else is driving, however, when the car stops or breaks suddenly the “car-surfer” can lose balance and fall ending in catastrophe.  Some of the common injuries include concussions, broken bones, road rash from coarse highways, and sudden death.

Most teenagers are impressed by similar stunts they have seen on television, at the movie theater, or by beginners posting videos on YouTube and other websites.  Most teenagers involved in this dangerous activity do it for glamor and prestige in front of their friends and some do it because of peer pressure, attempting to achieve the “badge of honor” among school friends.

Car surfing isn’t new, it was first televised in the movie “Teen-Wolf” with Michael J. Fox in 1985, however with the influence of reality TV and internet medium You-Tube, many young adults are engaging in this activity and parents have to take precaution.

Car Surfing has definitely made a significant impact in car insurance rates for teenagers because they are viewed as high risk.  In particular, the States which are affected the most are the West Coast States such as California, Oregon, and Washington State. It doesn’t matter if you are talking about car surfing, texting while driving, or putting too many passenger in a vehicle, whatever the activity is, insurance companies are grouping young drivers who are susceptible to taking risks in or out of the car.

Implications of car surfing is devastating when you take a look at the statistics.  At least ninety percent of young drivers died or sustained major head injuries in accident they were car surfing.  Of the head injuries, over fifty percent of those cases resulted in deaths, and from 1990, there were reported approximately 60 plus cases and by the year 2009, there have been hundreds of car surfing cases reported in over 30 states across the U.S.

This is a huge concern for most car insurers since car surfing is not something that is mentioned in car insurance premiums.  Many teenagers who have suffered permanent injuries have tried to reach out to other young drivers.

A few think tanks have looked into the ages of those concerned in car surfing and found the average age of people hurt from car surfing is 17.1 years of age. The most often-injured group is teenage males age fifteen to nineteen. The invincibility factor is huge, and in children, it is very robust in the sense that they don’t see this as ever occurring to them, they are smarter than the “average Joe” and they simply don’t think about dying.  When people survive, head wounds can bring about loss of memory, behavior issues, partial brain death and paralysis.

Car surfing is not as common as other risks, for example, texting, which have led to new laws to keep drivers safe. Safe driving advocates and insurance firms inspire parents to speak with their kids, pay attention to what they are watching on television, and realize the internet is full of contributing influence to teenager’s erratic behavior.

Many claim that insurance companies are going to raise premiums for known teenagers engaged in car surfing and the worst result for parents which refuse to pay attention, the insurer could cancel the policy.

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Senior Driving and Keeping Cheap Car Insurance Rates

How auto insurers perceive a driver group affects the premiums charged. Younger drivers are always considered to be very high risk based on statistical evidence that they cause a lot more accidents. Until they can prove that they are more responsible than their age group they are likely to face similar high rates.

Statistical evidence is against younger and older drivers. They cause more accidents below 25 and above 70 years old. It is probably upsetting to be treated like a teenager again after all those years of driving. When it comes to insuring an automobile it is not personal. Companies will use every means available to them to assess the risk of paying a claim.

However, senior drivers would want to keep their cheap rates that have taken years to bring down. Probably there are many other things they want to be doing with money now that they have more time in hand. So, they need to fend off high costs quotes if they still want to keep driving. It would be shame to pay higher premiums just because they are older. You can find more online car insurance resources to help you.

Auto insurers probably have a point when they are concerned about the risks older drivers possess. There is no point in denying what nature is doing to you. The best way is to stay safe by keep adopting to the changes and finding ways of coping with whatever difficulties you are facing with.

There are many people driving happily well over the age of seventy five. One serious difference between the younger and older drivers is that older ones can police themselves effectively and find simple solutions. Many senior drivers prefer not to travel long distances, at night, during rush hours. These choices reduce the chances of getting involved in an accident.

There are a few things an elder motorist could do to improve the road safety. Every driver should regularly check their eye sight. At later years, you should do this more frequently. At least once a year check-ups will be essential. Should you need glasses, it is better to have at least two pairs and keep one in the car all the time, just in case you forget to bring the one you use every day.

Secondly, keeping a regular exercise routine will help you maintain reflexes in good shape. This is one of the reasons why rates increase as the age progress. Only few seconds delay in responding to a danger will be enough to cause an accident. Furthermore, it will take much longer to recover from injuries when your body is not strong enough.

Join a driving course specially designed for older motorists. These are good way of seeing where you are going wrong. They will highlight the common problems and teach you how to deal with them. It can be hard to see your shortcomings on your own. That is why you should take an independent and professional view.

Also, picking a senior driver friendly car will help you in many ways. Just adjusting your seat properly will improve your control of the vehicle a lot. Besides, safer cars will reduce the possible injuries in an accident. Moreover, you may need to modify the vehicle to suit your particular needs.

Most people are worried that they will lose their independence at old age if they cannot drive any more. Apart from physical difficulties financial hardship can prevent people from keeping an automobile at hand. Having one or two avoidable accidents may be enough to make the car insurance costs too high for you.

Staying on top of issues and taking preventative measures will keep the accidents and senior auto insurance premiums at minimum. Besides, you have to think about other people you may cause injuries. Just when you can take it easy you do not want to spend time in hospitals and deal with consequences of accidents.

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What Does your Car Insurance Policies Covers?

If you are paying for something shouldn’t you know what it is for? You don’t just buy auto insurance coverage so that you can get a piece paper to show to a police officer who stopped you. It is a lot more than that and you are the initiator of this cover. You tell the companies what you want in your package and they prepare and sell it to you. Just like ordering a meal in a restaurant. They don’t just rustle something up for you but they prepare what you want to eat.

So, what can buy from auto insurers? You need to have a look at your driving habits and decide the type of risks you want to be insured for. There are a few areas to consider and those will be discussed below in detail.

auto insuranceDrivers: You want to make sure that every person who drives your automobile insured under your policy. There are two types of drivers. Listed drivers are the ones who live with you in the same house or have a regular access to your automobile. You need to tell about them to your carrier by name and they need to be put on your policy. The second group is occasional drivers who once in a while may get the chance to drive it. These are not planned and happens on an off chance. You need to make sure that your policy includes them as well.

Liabilities: As the owner you will be responsible for any damages caused to other people by your car regardless of you driving it or not. Therefore, you should buy sufficient liabilities vehicle insurance to pay for those claims against you as the owner. You are forbidden to drive a vehicle that doesn’t have at least liabilities cover. Your car may be confiscated and you be made to pay high penalties if you get caught.

Damages: You invested a lot of money on your car and you want protection against the damages you may suffer as a result of a crash, falling threes, flying bricks, thieves and vandals. You can achieve this aim by buying collision and comprehensive coverage. Together they will offer good protection for you and your investment. Otherwise, you will have to pay for all the repairs and find money to buy another one if it is totaled.

Injuries: There are two group of injuries. The ones you caused to other people and this is covered under your liabilities coverage. And the ones suffered by you and your family members. You will need to think if you have health insurance to pay for the injuries suffered by your family in a traffic accident. If you do, you may not need to buy another cover. Otherwise, you should consider personal injury protection.

Recovery: This may not be considered as an insurance item but it is part of driving and owning an automobile. You need to think what would happen if you were to break down on your way to somewhere. Who is going to come and rescue you if any? You can buy a recovery service contract from your insurer or a third party provider.

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Exhaust System & their Impact on Auto Insurance

It may appear to be one of the simplest parts in a vehicle. What is it if not a piping system to get rid of smoke created by the engine burning petrol, right? They can be built crudely under your automobile. Or they can be used as accessory for it. There are so many different types as many as the central heating pipes at homes. And they have a few specialist fitters in any town.

If you are looking for a simple replacement it is easy to get it done. They are regularly changed and fixed. They may have a hole in them easily. Since they are under the vehicle they can get damaged and corroded quickly that require attention. You normally know if there is something wrong with them. They start making noises or letting excessive smoke that bothers you. Then, all you need to do is to pull over one of the part providers and get it fixed. A straight forward swap shouldn’t cause any concern and it is not usually expensive.

car exhaustWhen automobiles are being modified exhaust system gets a make over as well. If you replace the engine in your car to a more powerful one you need to replace the exhaust system as well to cope with high level of smoke. They can cost you a little money or a lot depending on the type of material you go. They can be made of tin or chrome depending on your taste and specifications.

If you ever make modifications on your auto, including exhaust system you should talk to your insurer. Actually, it is better to talk to them well in advance and get their opinion. If you feel like your insurer doesn’t like what you are planning you may need to find an alternative provider. You should be prepared for these changes and possible premium variations. It is more likely that you will need to pay a bit more in most cases when the standard exhaust is taken out and a modified version is fixed in its place.

Generally, insurers have a distaste for changes on automobiles. They like things to be simple and straightforward. When you get extras fitted in the factory they will not have much problems but they don’t like modifications done by third party mechanics and enthusiasts. So much so that they may not offer you discounts for security and safety features fitted outside other than the original manufacturer.

You may have other problems with the choice of exhaust systems you like to fit on your car. There are two main problems. One of them is the noise pollution. People get impressed with the noisy automobiles but their neighbors will not be impressed as much especially if you drive them early in the morning or late at night.

The second issue is the air pollution. When cars are made they follow certain environmental scrutiny required  by laws and industry standards. When you make modifications you may be breaking the laws and bylaws by not following strict guidelines. In other words, you car can become more hazardous for the environment after you make the changes. These changes may result in more traffic violations tickets. And consequently higher car insurance rates.

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Going through a Divorce & Auto Insurance Implications

When you are going through a divorce auto insurance may be the last thing in your mind. Nevertheless, it is one of the things you have to deal with in time. When people marry they start putting all your finances together and this will normally include automobiles and insuring them jointly or under one policy.

Usually, you may be advised to do this to save money or avoid arranging separate cover for every one of them. You will need to go onto your partners policy and he/she goes on yours regardless of how you arrange cover. This is one of the conditions most insurers will impose on you.

auto insurance after divorceDivorce is a mechanism that breaks this togetherness in many ways and it applies to your policies as well as your assets. First you may need to decide who keeps what cars and where the teenagers in driving age start residing after separation. The choices made will affect the policies naturally. But there is no need to worry about it is not something you cannot sort.

First, you will need to look into arranging your separate policy now that your partner is not living with you. This could lower or increase your premium depending on how was your ex’s and your driving history and what was the arrangement. Sometimes a partner with good driving records may help the other find decent premium.

One of the main concerns may be how the teenage drivers will be insured after separation. General rule is that they are insured by the parent who has the custody of them. But this is not straight forward anymore with the ways parents can arrange custody. Since they are now teens it may be arranged loosely rather than giving full control to one parent.

This could complicate things. They may be insured by the policies of both parents if they are sleeping in both houses and driving the cars owned by mother as well as the father. The best thing may be to explain how the driving and sleeping arrangements are and let your broker or agent come up with a solution.

You will need the company about the level of access you afford to your children over your cars. It is possible that children may get more than they bargained for from a divorce financially. They may get their own cars thanks to mother and father feeling guilty about the separation. If this is the case, you may have to buy them separate policies. And you don’t need to worry about them driving your car or going onto your policy as long as they have their own cars and insurance.

However, it is better to be open about the situation and talk to your insurer. Not telling them anything may not be a solution. If you explain clearly that your children occasionally sometimes stay with you they will take this into account when they are calculating the premium. Since they have their own automobiles and not full time resident at your home you may be able to get away with slight extra premium charge.

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Safe Driver Courses Qualify You for Insurance Discounts

When you are a teenage driver you see that auto insurers don’t fancy young drivers. They consider teenagers as high risk and they are probably right. You have no or little experience behind the wheel and there are other justifications as well. For example, you are more daring than a mature driver and not realize the dangers you are getting yourself into. You will get over this period and see your rates dropping rapidly.

However, this high rates may come back as you get older and you may want to deal with them again. Drivers over certain age are considered high risk as well. When you are over 70 you may see your premium start going up again. This may be earlier than 70 with some companies. Then, you have to find another way of cutting the cost of insuring your automobiles.

courses for older motoristsLuckily, most states allow special discounts for motorists who have passed save driver courses. These savings are mostly available to drivers over the age of fifty and in some places over fifty five years old. One or two states may allow discounts for motorists as young as twenty five. On average you can claim about ten percent savings once you complete your training.

Safe driving training is available from local authorities and independent bodies in most places and they cost between $100 – $200. You will get your money back and more almost instantly with the premium reductions. Furthermore, you will keep getting these discounts years that it makes extra valuable. Total savings could easily reach to thousands before you quit driving all together.

Other motorists who wants to save can take different type of course. They come under various names like driver improvement courses and advance driver licenses. Even the young drivers can manage to bring their premium down if they can pass advance driver license tests. Considering you are young the savings can be appreciated in your whole life.

Some car insurance companies may have online tests for you to show off your driving knowledge. If you take the test and pass you may qualify discounts. The problem is that your rates may go up if you fail. So, where possible you should take independently offered tests and show your certificate to any insurer you choose to work with.

Further advantages of taking these courses and improving your driving is pretty obvious. You become a better driver and avoid accidents. This way you would avoid all the aggravations of facing injuries, dealing with claims and getting repairs done to your automobile. Having accidents is never fun and sometimes can even ruin your life. So, think about the benefits of sitting down for a day or so and learning how to detect hazards and avoid them.

Having less or no car crashes would bring your premium further down and keep them there at the low end of rates. It really is worth considering improving your skills behind the steering wheel regardless of your age and vehicle insurance prices you get charged. The benefits will be even higher when you don’t seem to be able to stay out of trouble with accidents.

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Finding Cheaper Insurance to Protect a Vehicle

There are at least thousand different ways of insuring your automobiles. You can go online, offline, direct, choose the most exclusive or bare bone policies. Each choice you make determines how good your coverage is and how expensive the premium. We don’t mean to scare you. But we want you to think more about how you will make sure you are protected well without opening a big whole in your wallet.

The problem with many people is that they are doing things for the wrong reasons. For example, they are lazy to go and get alternative auto insurance quotes when their policies are due for renewal. Instead of calling it as it is, they call it loyalty to their current providers. The same people go back and cheap on their wives and husbands or steal from their employers. Sorry, for the direct talk but you cannot be as daring as possible in your life and be a chicken when it comes to auto insurance.

expensive automobilesYou have got to look after your own interest when the time comes and get a few quotations. If you are lazy admit it and get a broker to have a look at your options. They will be able to check it pretty quickly for you and even offer advises as to which company can serve your needs better. Furthermore, you help them earn a little commission out of serving you. Everybody wins except the expensive insurers who were hoping you remain lazy a few years more.

Are you really not interested in saving money at all? You are interested in all sorts of things and the internet brings the knowledge home. If you are bored one day and don’t know what to do, why don’t you get online and check how much you can save on your auto insurance? After all there are all sorts cute girls and lizards telling you to save money every day through your television set. Maybe they are right. Won’t you want to find out?

Online quote platforms and forms are really easy to go through. You will need to fill a few details about yourself, driving history, the other drivers you want to include in your policy and vehicles. Then they calculate your  premium in a second as soon as your push the get quote button. You will find out in no time how much you can save.

The savings can be a lot more than usual when you are considered to be high premium chargeable client. A few companies don’t like complicated risks. They would rather charge you a lot more than getting it wrong and ending up losing a lot of money on you. This is the case when you are young, have had one or two accidents recently and don’t really have a clean driving record.

Those people need to work harder to find a company that looks at them kindly. Not every company can afford to say no to a new customer and they would be willing to take a chance. When you are paying thousands of dollars a year on auto insurance a little rate cuts would mean a lot of dollars.

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Language Barrier with Auto Insurance Quotes?

We live in a culturally diverse nation in this wast country. Most Americans have a deep ancestral history. Some people never look back and just call themselves American while a few others still proud to belong to thousands of years old cultures. When you are born in the country you probably know no difference and start talking English. A few people arrives later and learn the language.

However, we have large communities that still prefer to talk a different language as a means of communications. Some are multi-lingual and some are more comfortable with another language than English. Those people may be living in communities that can serve that in their preferred language.

quotationsNot being fluent in English is no excuse not to find the services, products and information you need. Quite a few brokers speak several different languages and a few exclusively work with communities with ethnic background. Your first step may be to seek out of those agents and intermediary service providers. The benefits of finding an independent broker is that he/she will be your guide to going through all of the companies selling insurance products in your states. They will be able to shop and compare for you. Moreover, they will explain the differences, benefits and downsides of each product. So, you can get fully informed and have it in your preferred language.

If you prefer you can go alone and get your auto insurance quotes online as well. There are a few sites that offer translation services or you can use third party translation of the websites. You may be able to find a few sites that are run by people who speak the language you prefer. The choices are out there if you want to find them out.

Also, many companies have different language options especially Spanish. You have probably heard these options several times and used them. The same is available from auto insurers and other companies that selling policies. You just need to search and find the companies that are offer multi-languages for foreign language speakers. Considering the number of people with different mother tongue this shouldn’t come as a surprise. Practically, Spanish is the first language in parts of the country.

Make sure you take full advantage of facilities available to you. When you want to find out and help yourself you will see that help is available. Depending on your language skills you can have a go and try to get quotes online. The information required is pretty basic and you can get by without technical knowledge or advanced English. The thing is that you will still have much more choices if you are working in this language.

Once you pin down the companies with the cheapest rates you know where you are and who to contact. You can call their telephone helpline and ask to speak in Spanish when you have a question. You don’t even need to have a question. You may be more comfortable if someone goes over the coverage details in your language before you take out your wallet.

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Car Insurance & Accident Repairs

Auto insurers rely on accident repair data center to find out if a vehicle has been involved in an accident and fixed. It doesn’t matter that there was a claim or the owner had it fixed out of the pocket. There are a few ways to find out about the crashes. The data center collects data from police, insurance and other possible sources.

There are several uses of the information gathered here for the insurance companies. First of all, they want to find out about claims that their applicant has not mentioned. They will have to check back with the client and ask explanation before they can accept the risk. They don’t potentially want to deal with a policyholder who is not straight with them.

Auto repairs and insuranceThey need the correct information to be able to charge the right premium for every risk. Otherwise, they will be losing out on millions of dollars additional premiums. Furthermore, they would be accepting risks that they wouldn’t otherwise be comfortable with. So, it is expected that they carry out their own searches and make sure cars insured hasn’t had damages and repairs.

This knowledge of repairs serve a second purpose. Insuring a perfectly operation vehicle is different from insuring one that has been fixed after a large accident. When the cars are made in the factories they can be built to a certain standard. However, getting them re-built following a crash is totally different story for many reasons.

For once they cannot be sure that the work had be done professionally and the car is as good as before. If there are issues with an automobile that means they are higher risk than a typical one. They can give in easier in case of crashes and cause a lot more injuries to passengers. This would mean a larger than normal claim payments for the firms covering them.

The second problem is that the mechanical faults can be the main reason for the accident. If the car gives in on the highway and starts a big accident they company will have to face a large bill. When so many parts has been replaced reliability of a vehicle can be questionable in many ways.

Are the mechanics who fixed it qualified enough to do a goo job? Did they use original parts or use after-market parts? They can sometimes even use second hand parts from scrap yard to do repairs that would otherwise be uneconomical. When owner is paying he/she may agree to less than satisfactory solutions for financial reasons.

That is why companies would want a little bit more risk premium when they discover that an automobile has had major repairs done to it. Actually, the owner may not even know about those fixes. There are many people including body repair shops who fix cars and sell them without telling the buyer where they have been.

You will have to get used car reports before agreeing to buy on the second hand market. There are many people who don’t care what happens to these vehicles and their owners. You don’t want to end up with a lemon and you certainly don’t want to end up in an accident with it.

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Vehicle Insurance Premiums Vary a lot

A common misunderstanding among motorists is that premiums are not much different among hundreds of companies. Mistakenly, they think that the regulation of the industry applies to prices. A few people including brokers and agents suggest this to their clients and this may be where all started. Unfortunately, they earn money if they sell policies and at time they may be a little far off the truth.

The myth is that companies cannot charge whatever they like for auto insurance policies. Well, actually they can, they will and they do. It is a business after all and they will aim to make profits from their endeavors. They have shareholders like any other business and there is not much point in going on if you cannot turn on profits.

auto insurance choicesThere is no way that state insurance commissioners can change this fact. They do inspect the companies and approve their rates. But this doesn’t mean they decide for the companies what to charge. What it means is that they look at the way companies price each type of risk to make sure there is no discrimination or similar law breaking when they are setting rates.

What is all these mean for you as a consumer? Does it mean that companies can cheat and lie to you? Not really, since you are not captive to one particular firm. You are practically a free agent who can choose among sea of alternative. This is the case when you are buying most things and it doesn’t change when you buy insurance products.

If a company is not honest and expensive they can get found out easily and lose customers. This is the idea anyway but the market is not perfect. Some people may be impressed with TV adds and go with a company without checking others. A few others will never see the point of shopping around because of wrong information and misguided loyalty they feel towards their insurers.

However, you are responsible for your own choices and you look after your own wallet. You should even consider buying a policy without getting a few quotes. This is the way to see where you stand at this moment of time. It doesn’t really matter that last year your insurer was highly impressive in terms of prices. Life moves on with so many changes every day that we have to look at where we are the present moment.

Getting a quote is like taking a picture in a way. It reflects the prices at that moment. A week later you may not be able to find the low rates anymore or get them even cheaper. What you need to look at is what is the position at the moment. By getting several quotations you would be taking a few pictures and comparing them.

When you must choose only one picture you put them side by side and see which one impresses you in terms of composition, lights and quality. You apply the same logic to your quotations and pick one. If you follow this path you will see that prices are a lot different from each other even when you have approximately the same coverage.

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