Today, getting the insurance done is very difficult for the young drivers. Insurance provides a shield from any type of financial loss which occurs due to uncertain risk. The insurance companies have set very strict rules for the cheapest 18 year olds car insurance. Even the insurance companies have also information collected with them about the driving behavior of the teens. The data collected with them is in very informative and in detail. All the details like traffic and the accident violations are with them including the driving conditions, driver details, nature of the accident and car information. This helps them in predicting the behavior of young drivers.
Car Insurance Interest Rates:
The data is used by the company so they charge a high rate of interests especially from those who have age less than 25 years. So the young drivers have to get the same policy at high rates which are provided at a lower rate to the experiences ones. They also do not have liability coverage. It is always better to get the quotes of the cost by which you will also be able to determine the price in advance and the budget can be set accordingly. The rates can also be compared with it.
Car insurance for the 16 years old is mandatory and for them it is important to know the saving time and insurance cost. The rates change drastically as a lot of factors are taken into consideration like vehicle owned by a teen or not and the state you live in. If you have the driving education course completed then also you can enjoy the discounts.
The average rate for the car insurance for 17 years old depends on the car you drive, the place where you live and the coverage which you get. For the teens a separate policy is also there which is basically based on coverage limits. The discount is also provided if the parents also monitor the driving skills of the teens which can be really beneficial.
18 years old can get the affordable car insurance if they have good driving record along with the no violations of the accidents. Car insurance is a huge expense for them and they have to work really hard to afford the insurance liability. Only then they will be provided if they will be fulfilling the minimum requirements needed for the car insurance.
There is difference in car insurance for the 19 years old males and females. The young males have to pay more than the females because statistically it is considered that the young males are more risky drivers. Rather there will not be much difference between the premium paid by the males and females.
For the 20 years old, the insurers have to determine whether they have risky drivers or not as the twenty years old drivers are not teens anymore. It is very important to find the right insurer and also determine the insurance which you need.
The Best Car Insurance Company:
Cheap auto insurance provides you the best insurance policy with the help of professional assistance. You can get the market’s best insurance discounts and the deals. It is very important to spend money on the right insurance policies which will also help the teens in the long run. There are a lot of insurance policies offered on which you can focus. The car model also has an effect on the price of car insurance. The price also depends on the safety features in the car as this will lower the risk of a claim for stolen vehicles. The young drivers can easily get insurance at affordable rates.
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While it is important to feel comfortable and in control of the car, it is equally important to choose a car that has safety features which protect the driver and the passengers.
People want to ensure that they are safe whenever they are inside the car, and the latest technology has made it possible to develop safety features that meet the demands of the consumers.
Cars manufactured by Maruti Suzuki have numerous models to choose from. These cars offer a range of safety features not many consumers know about. So, here are five features in the Maruti car you might not be aware of. Moreover, you can Find out more about Suzuki vehicles here.
1. ELR Seat Belts :
Seat belts are a vital safety feature in a car. The emergency locking retractor allows the driver’s seat belt to extend and retract with the movement of the occupant.
It locks the belt in case of a sudden stop or upon an impact. This ensures that there is no movement of the occupant in case of an accident or a stop.
2. Electronic Brake Distribution :
This is one of the most talked-about a safety feature in a car. The electronic brake distribution is a technology which varies the amount of force applied to the brakes of the car.
Basically, the force applied varies according to the road conditions, speed, loading and helps in the maintenance of vehicular control. Also, there is less braking pressure at the rear end which helps avoid skidding.
3. Anti-lock Braking System :
The anti-lock braking system prevents wheels of the car from locking up while braking. It offers better vehicle control in case of dry and slippery surfaces by reducing or increasing the braking distance.
This system has evolved over the years, and it not only prevents the wheel locking but also electronically controls the brake bias in the front and rear tires. It reduces the chances of heavy braking.
4. Front Dual SRS Airbags :
The restraint system of the airbags is used to supplement the seatbelt system and protect in case of crashes. It enhances passenger safety in case of a collision. It is equipped with a sensor which calculates the impact and intensity of the collision and deploys the airbag.
At the front, there are two airbags, one for the driver and one for the passenger. Moreover, these airbags open in no time and provide cushioning to the front seat passengers in case of an accident or collision. It is an effective safety feature that has helped save many lives.
5. ISOFIX Mounts :
ISOFIX is an international child safety fitting system which is similar to a child seat. The concept of a child seat is uncommon in India, but it is followed strictly across the world. ISOFIX mounts have specially designed fitting points. It allows easier and safer attachment of the child safety seat in the passenger seat of your car.
The ISOFIX connectors are two prongs which stick out of the back and click into the metal clip into the car seat. It provides a secure anchorage for the child seat and ensures that the child remains safe and secure in case of a sudden halt or high speed.
Your car may have all the safety features to protect you from an unfortunate event, but what about the safety of your car? Remember that driving in India comes with its own perils. We often hear cases of road accidents and rule-breaking. Considering these factors, it is important to get car insurance, moreover, a comprehensive one, right after you buy your Maruti car.
A comprehensive Maruti car insurance, will not only provide coverage for damages caused to the third-party but will also financially safeguard your car as well.
Comprehensive Maruti car insurance covers damage to your car caused by events that are out of your control and provides coverage against:
Theft
Vandalism
Glass and windshield damage
Fire
Accidents with animals
Damage to Third-party
Weather/acts of nature, etc.
Conclusion:
While deciding to purchase a car, you always consider the safety features to ensure that you and your family are safe in case of a collision. However, you must also focus on protecting your car, which is one of the most significant investments you make in your life, by purchasing Maruti car insurance.
It is better to be safe than sorry, and whether you are on the driver seat or the passenger seat, these safety features (literally) and Maruti car insurance (financially) will keep you safe.
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“Nearly 390,000 injuries occur each year
From accidents caused by texting while driving.”
- National Safety Council, USA (2018 Study)
Why Texting and Driving are Dangerous:
The rise of social media and the necessity of being connected 24x7 have given rise to many problems. One of the biggest of them all are the dangers associated with driving when you are texting.
Youngsters and especially teenagers are the biggest risk takers when it comes to these hazards. The use of WhatsApp, Facebook Messenger, and Instagram Chat all act as sources of distractions. According to a Study by the National Safety Council, nearly 400,000 dangerous accidents occur each year because of texting.
Teenagers and Texting on Roads:
The problem of texting while driving is not restricted to teenagers. However, they are affected by it the most. The fear of losing out to something interesting is so great that even though many acknowledge the dangers of driving and texting, they cannot stop.
Let us look at some numbers when it comes to dangers of texting and driving for teens
According to the American Automobile Association (AAA):
Over 95% of teenagers are aware of the risks associated with driving and texting. However, more than 35% were arrogant enough to say that they keep on doing it.
The number of teenagers involved in fatal accidents who had been using their mobile phones was over 21%.
Compared with their adult counterparts, teenagers were more likely to be involved in texting and driving accidents by 4x times.
If there are other occupants in the car, the probability of a texting and driving accident increase by 5x times.
How Counselling by Parents can Control this Dangerous Epidemic?
While teenagers are to be blamed for this reckless activity, many experts feel that their parents should impart this basic understanding of the dangers to them.
It is very important for parents to set a good example for their teenage children while using an automobile. Kids often pick up the habits of their elders. This includes the use of a cell phone while driving.
If you are a parent, you should avoid using cell phones while you are driving with your kids. Unless it is a very important call, or a text, or an email, you should not address it. Even if you have to, pull over to a safe side of the road, bring the car to an idle, and then engage on your cell phone.
This will make your kid understand from a very young age about good habits and practices. It is also a good idea to set some ground rules for your kids when it comes to driving. Teenagers are very safe when it comes to taking their rights away.
You can tell them that if they are caught using their cell phones while driving, they will not be allowed anywhere near the car for a month. The quantum of punishment can wary, but parents need to be tough, in order to protect their children.
Dangers of Texting and Driving: The Final Word
Due to the changed rules of society and social media, teenagers are already under a lot of stress. They have self-doubt issues, depression, and other pressures. All these play a role when it comes to their driving.
It is imperative for parents to talk to their kids and tell them that answering a text after five minutes would not change a thing. The need to be always updated to social happenings is not more important than their lives.
No one is invincible, and talking about statistics of the dangers will help them understand the problem better. If you are a parent, you need to start setting examples and ground rules for your children.
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You may have wondered what your Uninsured Motorist Coverage actually entailed on your car insurance policy as a Tennessee driver. You may not have known, but insurance companies estimate that almost 15% of drivers are operating without insurance. If you are struck by an uninsured motorist, there is no way for you to recover money for damages, injuries, or pain and suffering that resulted from the accident. Therefore, many insurance companies — and a growing list of states — make Uninsured Motorist Coverage mandatory in their policies. This way, you are protected in the event that you are in an accident with an uninsured driver.
What does my Uninsured Motorist Policy Cover?
The specifics of your uninsured motorist policy will vary from company to company, but in the most general terms, you and your passengers are covered for bodily injury, property damage, lost wages, or pain and suffering. Additionally, the policy-holder will be covered in the event of a hit-and-run, where it is impossible to determine who the driver was, let alone if they were insured or not. Note that your uninsured motorist policy is not the same as an UNDERINSURED motorist policy, which will cover the difference between your injuries and the maximum of the other person’s policy.
Bodily Injury Coverage
If you or your passengers suffer personal injuries in an accident with an uninsured motorist, your policy will cover medical bills, lost wages, as well as pain and suffering. Without this policy, being struck by an uninsured motorist would shoulder each individual with the burden of a lack of coverage that was out of their control. Bodily and emotional suffering are often hard to quantify in a car accident, and therefore makes a personal injury lawyer indispensable to claim what is rightfully owed. If you or your passengers have suffered bodily or emotional injury as the result of a wreck with an uninsured motorist, it is suggested you consult with a personal injury lawyer in Knoxville, TN.
Property Damage Coverage
Property damage is easier to quantify than personal injury because it will reflect the values of repairs or replacements. Even though this is the case, there are still many nuances that you must navigate to ensure you get the proper reimbursement for your situation. Consulting with an attorney is the best way to ensure that your situation is fully rectified with your insurance company and that you or your passengers will feel fairly compensated for your accident with an uninsured driver. It was not your fault that the other driver was uninsured, and it should not be your financial burden.
Am I required to have Uninsured Motorist Coverage in Tennessee?
Yes, you are required to have an uninsured motorist clause on your insurance policy in Tennessee. Hopefully, you will never be required to use this coverage, but in the event that you must, you can rest easy knowing that you are properly covered even though the other driver was fully uninsured. A growing number of states legally require each insured driver to have this additional coverage, and Tennessee is one of these states.
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Feature image source: theandrewagency.com
