Teen drivers remain one of Ohio’s most at-risk groups for crashes

• From 2014 to 2016, there were 131,959 traffic crashes in Ohio involving at least one teen driver. This accounts for about 15 percent of all crashes.

• An action by the teen driver contributed to more than 72 percent of these crashes and 76 percent of teen-involved fatal crashes.

• At-fault teen crashes resulted in 286 fatalities and 41,511 injuries from 2014 to 2016.

• Following too closely was the cause of 35 percent of at-fault teen driver crashes. Another 21 percent of

crashes were caused by a failure to yield to another vehicle or running a red light or stop sign.

• For fatal crashes, unsafe speed and failure to control were the leading causes at 21 percent and 19 percent respectively.

• Male teenage drivers (56 percent) were more likely than females (44 percent) to be at-fault in crashes.

• Male teenage drivers were responsible 73 percent of the time in fatal crashes.

• The teen driver was the sole occupant of the vehicle in 72 percent of teen at-fault crashes. This drops to 52 percent for fatal


• Only 2 percent of at-fault teen drivers overall were drug and/or alcohol impaired.

• More than one-fifth (22 percent) of at-fault teen drivers were impaired In fatal crashes.

Information from Ohio Highway Patrol

Teenage drivers currently remain one of the most at-risk groups for car crashes in Ohio.

According to the Ohio State Highway Patrol, motor vehicle crashes cause more teenage deaths than other types of injury, disease, or violence.

National Teen Driver Safety Week is taking place Oct. 15-21 and Ohio Insurance Director Jillian Froment and John Born, director of the Ohio Department of Public Safety, which includes the Ohio Highway Patrol, are encouraging all parents to talk to their teen drivers about the rules of the road when they are behind the wheel as well as the dangers of distracted driving.

In an Oct. 1 media release sent by OHP Chardon Post Commander Lt. Charles Gullet, drivers who are 15 to 19 years old were involved in 15 percent of all traffic crashes in Ohio from 2014 to 2016. Actions taken by the teen resulted in more then 72 percent of these crashes and led to 286 fatalities and 41,511 injuries.


There were many reported contributing causes of these crashes such as following too closely, failure to yield, and running through red lights and stops signs.

“Poor decisions while driving can stay with teen drivers for the rest of their lives,” Gullet said in the release. “That is why responsibility, awareness and safety are so important for our young drivers.”

In Cuyahoga County between 2014 and 2016, there were 8,054 at-fault teen crashes. In Lorain County there were 2,315 while Lake County had 2,014 and Geauga County had 903.

According to the media release, National Teen Driving Safety Week is the perfect time for teens and their parents to discuss the dangers new drivers face. This will allow them to be informed so they can make safe and responsible decisions.

“Surveys show that teen drivers whose parents set firm rules for driving typically engage in less risky driving behaviors and are involved in fewer crashes,” Gullet said in the release.

On a nationwide scale in 2015, 1,972 teen drivers (15-18 years old) were involved in fatal crashes that resulted in 2,207 fatalities of those 1,730 were teenagers. An estimated 99,000 teen drivers were injured in motor vehicles crashes, according to an ODPS media release.

Crashes involving at-fault teen drivers

(Information from Ohio Highway Patrol)

• From 2014 to 2016, there were 131,959 traffic crashes in Ohio involving at least one teen driver. This accounts for about 15 percent of all crashes.

• An action by the teen driver contributed to more than 72 percent of these crashes and 76 percent of teen-involved fatal crashes.

• At-fault teen crashes resulted in 286 fatalities and 41,511 injuries from 2014 to 2016.

• Following too closely was the cause of 35 percent of at-fault teen driver crashes. Another 21 percent of

crashes were caused by a failure to yield to another vehicle or running a red light or stop sign.

• For fatal crashes, unsafe speed and failure to control were the leading causes at 21 percent and 19 percent respectively.

• Male teenage drivers (56 percent) were more likely than females (44 percent) to be at-fault in crashes.

• Male teenage drivers were responsible 73 percent of the time in fatal crashes.

• The teen driver was the sole occupant of the vehicle in 72 percent of teen at-fault crashes. This drops to 52 percent for fatal


• Only 2 percent of at-fault teen drivers overall were drug and/or alcohol impaired.

• More than one-fifth (22 percent) of at-fault teen drivers were impaired In fatal crashes.

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Saving money and saving lives: Can your driving pass the test?

Michigan drivers pay some of the highest auto insurance in the country, and many of us would go to great lengths to save a little every month on what we pay for coverage.

Michigan drivers pay some of the highest auto insurance rates in the country, and many of us would go to great lengths to save a little every month on what we pay for coverage. As it turns out, there is a way for us to cut our costs with at least one insurance company, but it means that your every turn will be graded.

Scott Tilford knows a lot about the importance of safe driving, both as a State Farm Insurance agent and as a parent. It’s one of the reasons he is big supporter of the Drive Safe and Save program. Tilford explains “this is something that I wish was around when my son was 16. He was pushing the limits a little bit, had I had this program and been able to monitor what he was doing we could have had some conversations before he got himself into trouble.” Drive Safe and Save is a voluntary program that State Farm clients can sign up for. When they do, they will be given a small monitoring fob to put in their car. The fob, via Bluetooth, relays driving characteristics back to State Farm.

The sensor records things like acceleration, speed, braking, the time of day you drive and the number of turns you make. Each month you are issued a report card with a grade in each category. It’s a teaching tool that gives us the feedback on ways we can be better drivers and lower our risks of being in an accident. But it raises a big question; why would anyone let their insurance company essentially watch how they drive? The answer for many is that it can save money. According to Tilford, “right off the bat, when you register it’s a 5% discount and then depending on how many miles you drive, and your driving characteristics that percentage can increase.” For Tilford, it’s been a savings of about $100 every 6 months. The better your report card, the better your savings.

But for some the program’s benefits go beyond cash savings. For parents of teenage drivers, the report card is way to see exactly how they are driving when an adult isn’t in the car. But it does more than that. It also gives young drivers feedback about their habits, and what they can do to be safer. They are lessons that could pay off in a lifetime of driving that lies ahead of them.

To learn more about the Drive Safe and Save program, click here.

Five to Drive: New campaign hopes to keep young drivers safe – KFDA


As part of National Teen Driving Safety Week, TxDOT’s Five to Drive campaign wants to spark a conversation between parents and children about these five rules to follow.

TxDOT officials say motor vehicle crashes are the leading cause of death for teens from the ages of 15 to 18.

“Buckling up, only having one passenger, not speeding, not drinking and driving, and the one that’s most prevalent these days is no cellphone,” said Amarillo’s TxDOT Spokesperson Sonja Gross.

As teens head out to events like Friday night football games, they say safety needs to be a top priority.

“So if they’ve taken that pledge, the Five to Drive commitment with their parents,” said Gross. “We’re going to see a lot more people coming through the upcoming holiday season and the football season as well, alive and healthy and ready for their bright futures.”

New information from the National Highway Traffic Safety Administration says that Texas teen driving deaths have dropped 27 percent over the last decade.

State Farm says their claim rates involving young drivers have also decreased during that time.

“We know the percentages of teen drivers that have parents involved that it helps teen drivers as far as accidents and stuff,” said Local State Farm Agent Russell Glaze. “It’s one of the programs we do.”

 While Texas fatality rates have dropped, the insurance provider says recent crash numbers are beginning to rise.

Along with TxDOT, they believe a collaborative approach between young drivers and their loved ones will keep everyone safe as they head out on the street.

“Operating a motor vehicle is a huge responsibility, we’re talking thousands of pounds, thousands of distractions,” said Gross. “They need to do everything they can to prepare their children to be responsible drivers, especially the first time drivers out there.”
Five to Drive gives parents resources to speak with their children about safe driving practices in a conversation that can potentially save their lives.

For more information about Five to Drive, you can contact TxDOT at (806) 356-3338.

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Copyright 2017 KFDA. All rights reserved.

UK drivers under major misconception over car insurance

UK drivers under major misconception over car insurance
A whopping three-quarters of UK drivers mistakenly believe that third party car insurance is always cheaper than comprehensive policies – despite the latter now being significantly cheaper.

A third of drivers who go out looking for third party cover do not look at the whole market, and could end up over-paying by £929, new research from uSwitch has revealed.

“There are a number of reasons why motorists continue to misunderstand which insurance policy type is cheaper,” Sabrina Webb, car insurance expert at uSwitch, told Insurance Business.

Traditionally, younger drivers facing expensive premiums have favoured third party policies as a way of bringing down costs: motorists aged 17-24 are nearly five times more likely to search for third party cover only, compared to the over 55s, the research found.

“However, as the number of providers offering third party policies has fallen, and as motorists who take out this type of policy traditionally make more, and pricier claims, this has resulted in the price of these policies increasing to the point where now, the average third party policy is over £1,000, compared to under £700 for fully comprehensive cover,” Webb explained.

The cost to younger drivers of assuming that third party cover will be their cheapest option can be hefty. The average third party quote for young drivers is a staggering £3,529, while a fully comprehensive policy is more than £1,400 cheaper, at £2,125 on average, the survey found.

“There is work for the insurance industry to do to help improve motorists’ understanding of the issue,” Webb said. “In the first instance, where a consumer can make a saving by taking out a policy type which offers more cover for a lower cost, the onus should be on the provider to notify of the potential saving,” she urged.

“It would also be helpful if motorists could more easily compare different policy types, by seeing them side-by-side, so that price can be more easily compared, and therefore the consumer can make a better-informed decision,” Webb added.

As a result of the findings, uSwitch has set up a new search function which gives drivers the option to list all car insurance cover options when running a search, which it says means drivers will see the cheapest cover available to them irrespective of policy type.

While there are a number of factors driving the price difference between the average cost of the two policy types, the company says the findings raise a bigger issue.

Webb added: “Regardless of the reasons, it does leave the fairly reasonable question of, why does it cost motorists more to get less cover?”

Related stories:
Eight crash fraudsters busted
Personal injury reform: “Insurers are there to pay claims”


Best Cars for Students: Our top 10 buys

Whether it’s a first car for a teenage driver or inexpensive, reliable student transport, the way in which young drivers first take to the road has changed fundamentally in recent years. Whereas in the past, the vast majority of us took to the road in a cheap £500 banger, a brand new car can actually work out far more cost effective, especially with the average new driver insurance premium being over £2,300 a year on a used motor…

Here are our Top 10 choices of cars for students

10. Ford Fiesta

2017 Ford Fiesta hatchback

The Fiesta has long been a good car for teenagers, but with a new model just launched, the packages on offer aren’t as competitive as they are with some other manufacturers. That said, students and young drivers can still benefit from a £500 contribution towards insurance if aged between 17 and 24. Ford also has a strong relationship with specialist young driver companies such as youngmarmalade.co.uk, with competitive leasing deals that have telematics-based insurance products included. Plus, what’s not to like about a Fiesta? There’s a reason it’s Britain’s best-seller.

9. Suzuki Ignis

2017 Suzuki Ignis supermini

The new Ignis is pretty cool, much more so than you’d expect, with styling that harks back to the SC100 Whizzkid and a tall, spacious cabin. It’s cheap to buy and run, and the company is currently offering a year’s free insurance to anyone over the age of 21. That does exclude a fair proportion of students, but for those in their final year, studying for a masters or about to break out into the world of graduate employment, it’s an enticing offer, especially as the Ignis already represents excellent value for money.

8. Vauxhall Corsa

Vauxhall Corsa small hatchback

With free insurance if you’re 21 or a payment of only £99 for over 18s, the Corsa is an easy choice for young drivers. You’ll get a terrific deal, too – there are offers out there from £99 a month, which puts the Corsa in the reach of many young drivers. The downside is the car itself. The Corsa is long in the tooth and soon to be replaced, and there are some far better superminis out there. But if you’re after minimal-hassle motoring with little expense, it isn’t without merit. Especially as Corsas have always been popular with young drivers.

7. Kia Picanto

2017 Kia Picanto supermini

Kia is offering free insurance on the Picanto for drivers aged 18-20, subject to them having a ‘black box’ fitted and with some mileage restrictions. Coupled to Kia’s unbeatable warranty, and the fact that the Picanto costs pennies to run, and it’s quite a beguiling package. There are better cars in terms of desirability and style, but if it’s being financed by the Bank of Mum and Dad, the Picanto makes a huge amount of sense.

6. Volkswagen Polo

2018 Volkswagen Polo small hatchback

Volkswagen is offering one year’s insurance for all drivers over 19 on a new Polo, subject to a good driving record. That’s bound to appeal to image conscious buyers who want a classy small car with strong resale values. The offer is subject to the driver using a telematics app, which measures driving performance. A negative score will result in the policy being cancelled, so for a concerned parent it’s a really sensible way of ensuring your young adults remain safe on the roads.

5. Citroën C1

Citroen C1 supermini

The C1 benefits from Citroën’s SimplyDrive package, which is effectively a PCP that covers all of your motoring costs – tax, insurance, servicing, breakdown cover and warranty repairs. All you need to pay for is the fuel, and the car itself. SimplyDrive is applicable to all drivers over 18 providing they don’t have a bad driving record, but those aged under 21 also need to sign up for black box monitoring. Mum and Dad won’t have a problem with that…

4. Peugeot 108

2016 Peugeot 108 supermini

The Peugeot PCP model is almost identical to that offered by Citroën, but that’s not really a surprise given that the two companies are joined at the hip, and the C1 and 108 are essentially the same car. Peugeot calls its offer ‘Just Add Fuel’ and is available with a telematics pack on all models of 108 for drivers aged 18-21. In our book, it just about pips the C1 to the post because it’s arguably better looking, but they’re much of a muchness, so it really depends on how good a deal you’re able to get from the supplying dealer.

3. Volkswagen up! beats

2017 Volkswagen Up! supermini

The awkwardly named up! beats (all lowercase, if you will) is especially designed to appeal to young drivers, with a year’s insurance cover included for drivers aged 19-24 and an opportunity to renew the premium at a competitive rate after a year’s claim-free driving. Much like the Polo, it uses an app to monitor driving behaviour and warns you if the driver is frequently exceeding the speed limit or braking sharply. However, the policy is slightly more lenient than that on the Polo, making it a better option for new or inexperienced drivers who may occasionally make mistakes.

2. Citroën C4 Cactus

2016 Citroen C4 Cactus hatchback

Citroën SimplyDrive is also offered on the trendy rubber-clad C4 Cactus, which is bigger and safer than most city cars. As a result, this package is quite difficult to ignore, especially if you’re a parent financing a car for your kids. Not only is the Cactus a practical and funky hatch, but the deal allows you to add up to three other drivers to the policy, meaning that Mum, Dad and boyfriend or girlfriend can take to the wheel as well. A fuss-free way to own what’s quite a desirable car.

1. SEAT Ibiza

2017 Seat Ibiza hatchback

With free insurance for over 18s on all Ibizas including the sporty FR, and finance packages starting from £129 a month for the 1.0 TSI, the Ibiza is pretty much impossible to beat as wheels for a young driver. Great to drive, good safety kit, incredibly stylish to look at and with a very pleasant interior. It’s one of the shining stars of the VW Group portfolio at the moment, and even promises to have strong resale values three year’s down the line. Students have never had it so good…


Here’s all you need to know about buying your first car. 


Looking to get rid of your old car? Take a look at the current Manufacturer Scrappage Schemes for some useful savings.

6 ways to legally stay on the road and NOT pay for car insurance

The idea of owning a car but only driving once a week may sound a little surprising, yet many people do exactly that.

According to industry data, there are more than 821,000 drivers in the UK who spend one hour a week – or less – behind the wheel.

Given the average annual car insurance premium now stands at a hefty £847, according to Confused.com , these drivers will effectively be paying £16 an hour to be on the road.

The good news is that if you do only want to drive now and again, there are ways to keep costs down.

Here we look at why insurance costs are soaring – and how being a bit savvy can potentially save you stacks of cash.

Read More

Car insurance: What you need to know

Insurance costs soaring

Recent figures from the Association of British Insurers (ABI) revealed that motorists currently face the fastest rise in insurance premiums since records began. Premiums are up 11% year-on-year, with young drivers likely to face even higher hikes.

But while all of this may tempt you to consider going without cover – and especially if you’re only getting behind the wheel once or twice a week – driving without at least third party car insurance is illegal.

Punishment is hefty, and could range from a £300 penalty and six points on your licence, to your car being seized or destroyed.

With this in mind, the key is to find more cost-effective alternatives.

Read More

The tricks to cheaper car insurance

Consider pay-as-you drive insurance

If you are set on having your own set of wheels, despite only driving now and again, you might want to consider a different kind of insurance policy.

Cuvva , an app-based pay-as-you-go insurer, offers cover for drivers who own a car but don’t drive very often.

Motorists still get comprehensive protection, and can build up a no-claims bonus which will help reduce the cost of insurance in the future.

Figures from Cuvva suggest that a driver making one trip a week could bring down the cost of car cover from £847 a year to £570 a year by switching to a pay-as-you-go policy – a saving of nearly £300.

Further research from the insurer shows that car owners in London are most likely to benefit from reviewing their insurance deal in this way, as the capital’s motorists use their cars less frequently than anywhere else in the UK.

Findings show that 7% of London’s 1.9 million households with a car – equating to 138,000 drivers – use their vehicle for just one hour a week or less.

Freddy Macnamara from Cuvva, said: “A lot of drivers only need their car once in a blue moon, yet they often end up paying the same price for their insurance policy as someone who is constantly on the road. We offer a more flexible approach.”

Read More

How to lower the cost of driving

6 ways stay on the road but not pay insurance

If you own your own car, you will not only have to worry about eye-watering insurance costs, but will also have to budget for petrol, parking, road tax, maintenance and servicing – plus a multitude of other costs.

If you are only going to use a car from time to time, a more cost-effective option may be to rent a car instead, as and when you need it.

1 – Car clubs – these are good value for occasional motorists, as the running costs, such as vehicle excise duty and maintenance are typically covered in the monthly subscription fee.

Zipcar is a car club giving access to vehicles in several cities across the UK. You can reserve cars by the hour, day or week at a low cost. Once you’ve joined as a member (with plans ranging from a free trial period up to £15 a month), you then pay an hourly or daily fee. This will depend on the car you choose, but costs start from as little as £5 per hour – or £50 per day.

With Ubeeqo , you can drive a car when you need one from £4.50 an hour. Also check out Carplus , Easycarclub and Enterprise Car Club .

2 – Peer-to-peer car-sharing – with Hiyacar you can rent cars from people in the local community.

Once you’ve found a vehicle in your local area, you can contact the owner via instant messaging.

All cars must be insured, taxed and have a valid MOT. In addition to the rental cost, you pay a £3 booking fee, and the cost of insurance, with cover starting from around £6 per day. But overall, there are considerably less costs to worry about.

Rob Larmour, co-founder of HiyaCar, said: “We want people to think twice about owning a car – and whether they need it all the time – or whether they could just as easily borrow their neighbour’s vehicle.”

3 – Car rental – firms such as Avis or Europcar can be cheaper than ownership if you only need to drive now and then. But make sure you hunt around for the best deals.

4 – Car-pooling – if you don’t want to own you own car, search for someone making the same journey as you through sites such as Blablacar and Liftshare , and split the cost of fuel.

5 – Take a taxi instead – Uber may have come under fire in recent weeks, but still remains a cheap way of getting around the place. While taxis of any sort may feel like a luxury, it can make more sense to splash out from time, rather than face the many ongoing costs associated with owning your own car.

6 – Rely on public transport – if your budget can’t stretch to catching a cab on the occasions when you need to get around town, there’s always the tried and trusted trains, buses, trams and tubes to fall back on. Monthly or annual travelcards can help bring costs down.

Getting Cheap Car Insurance for Students in a Simple Way

LOS ANGELES, Oct. 16, 2017 /PRNewswire-iReach/ — Lowcostcarsinsurance.com has released a new blog post explaining how to get cheap car insurance for students.

In most cases, auto insurance for students who are under 25 years old is costly. This is because agencies consider young drivers risky to cover. It is important to lower the insurability risk as soon as possible.

Here are a few tips that college students can use to reduce their coverage expenses.

  • Good grades. Doing well in school can help students get an auto insurance discount. Getting at least a B average can have an immediate positive effect.

  • A safer car. A fast unsafe vehicle coupled with an inexperienced driver can increase auto insurance premiums a lot. Students should drive safer cars to get better rates.

  • Comparing auto insurance quotes. There are many agencies that sell coverage for teenage drivers. Young drivers should always compare online car insurance quotes as this helps them find good and affordable coverage.

How to compare free car insurance quotes?

The best way to find auto insurance offers is by comparing quotes. By visiting http://www.lowcostcarsinsurance.com students will have access to important data about the newest auto insurance offers in their area. The website features a simple to use user interface that allows clients to complete a quote form and find better rates in just a few minutes.

Insurance brokerage services are free and do not require registering to have access to the website’s full features.

“College students can find excellent coverage opportunities by comparing online car insurance quotes,” said Russell Rabichev, Marketing Director of Internet Marketing Company.

Lowcostcarsinsurance.com is an online provider of life, home, health, and auto insurance quotes. This website is unique because it does not simply stick to one kind of insurance provider, but brings the clients the best deals from many different online insurance carriers. In this way, clients have access to offers from multiple carriers all in one place: this website. On this site, customers have access to quotes for insurance plans from various agencies, such as local or nationwide agencies, brand names insurance companies, etc.

For more information, please visit http://www.lowcostcarsinsurance.com.

Media Contact:Russell Rabichev, Internet Marketing Company, 800.475.3410, rel=”nofollow”>russell@internetmarketingcompany.biz

News distributed by PR Newswire iReach: https://ireach.prnewswire.com

SOURCE Lowcostcarsinsurance.com

Teen drivers: How to ensure their safety — and insure yourself | News

Wayne Cohen spends a lot of time thinking about car insurance. As the father of three sons in their teens and 20s — the most expensive group of drivers to insure — he pays big car insurance bills. And as one of the most aggressive personal injury attorneys in Washington, he has won big car insurance cases.

“Thinking about teenagers on the road is stressful as is, let alone when they are your own kids,” Cohen said. “I can’t tell you how many catastrophic cases I have had over the years where the parents of a teenage driver were underinsured.”

When parents add a teenager to their car insurance policy, their rates are likely to go up an average of 78 percent, according to a study by InsuranceQuotes.com. Based on the average national car insurance bill, that’s $1,028 more. Prices jump even more for boys — 89 percent — but girls are expensive too, raising bills 66 percent.

Teen drivers are expensive to insure for a reason. They are more likely to cause accidents than any other group, according to Centers for Disease Control and Prevention. In fact, motor vehicle accidents are the leading cause of death for teenagers. And studies show teens are more likely to kill other people in these crashes than to die themselves.

This adds up to two needs: to increase safety for these young drivers, and to decrease the cost of insuring them. Here’s advice from the experts to tackle both.

Decreasing teen care insurance costs

Don’t be tempted to try to keep your teenager a secret from your insurance company. Instead, inform the company as soon as your child gets a learner’s permit. Honesty is the best policy and disclosing new drivers is the law in several states.

“The worst insurance mistake parents make when their teen starts driving is not notifying the insurance company that they have a licensed young driver,” said Mike McCartin, president of Joseph W. McCartin Insurance in Beltsville, Maryland.

If you don’t inform your insurance company, some will cover an accident caused by your teen as a courtesy to you, but others will refuse. There’s a third scenario: “Many companies will backdate the addition of a driver to the day they were licensed … which can be a big outlay if it goes back a year or more,” McCartin said.

It’s cheaper to add your child to your insurance policy than it is to get them their own. (If they’re under 18, many states don’t allow them to enter into contracts anyway.) But that doesn’t mean you should automatically add them to your existing policy. Instead, this is a good time to shop around for a new insurance company since some companies charge more than others to insure teens. Consumers Checkbook found that switching car insurance providers is one of the easiest ways to save as much as $1,500 a year. You may be able to recoup the cost of insuring your teen driver by getting a cheaper policy overall.

Student status is another way to save on car insurance for teens. Many insurance companies offer discounts of as much as 25 percent for good grades. You may score another 15 percent off if your teen takes a defensive-driving class. And finally, if your child is moving more than 100 miles away for college and won’t be taking a vehicle, that’s yet more ammunition for a price break as the insurance company could list him as an occasional rather than regular driver.

Another way to save is based on the car your teen will drive. Instead of giving kids free rein to drive any car, limit them to the vehicle that’s cheapest to insure and let the insurance company know that’s their designated vehicle to bring down the cost. Better yet, buy a used car, which is less expensive to insure. You may even be able to skip collision and comprehensive coverage if the car is not worth repairing in the event of a wreck.

On the other hand, Consumer Reports says to avoid too old a car. Inexperienced drivers should have as many modern safety features as possible. The magazine emphasizes the importance of anti-lock brakes, electronic stability control and air bags, particularly side-curtain air bags.

Cohen, the attorney and dad, suggested buying a solid car insurance policy but also getting an umbrella liability policy. “In a lot of states, the owner of the vehicle is responsible for any negligence caused by the driver,” Cohen explained. “So if a teenage driver causes an accident, the parent could be responsible for costs above and beyond the car insurance.”

Insurers require you to have a certain amount of car insurance in place before they’ll sell you an umbrella policy, but after that, umbrella policies are cheaper. For example, McCartin said, $1 million in auto liability would cost a family more than $500 a year, but they could get $2 million in umbrella liability for just $400 a year — and that umbrella coverage would protect them against many different problems, not just car accidents.

Finally, some insurance companies will offer a discount if you agree to install computerized equipment that monitors things like your teen’s seat belt use, speed and hard braking. Ideally, this kind of oversight will also make your teen a safer, more mindful driver.

Increasing teen driver safety

Consider installing and using apps that turn off your teen’s phone while he is driving. They work by tapping into the phone’s GPS capability to determine speed, which could prevent texting-and-driving accidents. Consumer Reports tested several apps and gave them positive reviews.

There’s also a low-tech safety technique: a driving contract. “This is not a legally binding contract,” McCartin explained. “It is a tool we use to facilitate discussions on safety.”

Lay out rules of the road that your teen must agree to, in writing, to drive your car and be on your insurance policy. Some suggested clauses:

No more than one underage passenger. Studies show accident rates go up for every additional peer riding in a teen’s car.

No drinking or drugs. The CDC says substance abuse and driving are even worse for teens than for older drivers.

No talking or texting while driving. The Federal Communications Commission says cellphone use while driving kills more than eight people a day.

Getting to drive is the carrot in these contracts. The stick is up to you. If your child fails to uphold the contract, you can take away the keys, take away the car, or require him to pay some amount for something if they are in an accident or get a ticket.

I caused a fender-bender at 16, and my parents made me pay the deductible on their insurance policy to get the car repaired. I still remember it. You may want to put car safety rules in place that are just as memorable for your teenagers.

Pay as you go car insurance seems to be the new craze – but is it all it’s cracked up to be?

It’s the latest gimmick to sell car insurance but is pay as you go (PAYG) the answer for everybody?

The idea has been gaining popularity with the arrival of black boxes which record how well you drive and how often – paving the way to a more flexible way to sell insurance.

New apps have also led to an increase in the number of drivers paying by the day.

But some drivers might find it costs more.

I’ve been looking at the advantages and disadvantages of using PAYG car insurance.

And here are my for and against thoughts.

Certificate of motor insurance and policy schedule with car key
Certificate of motor insurance and policy schedule with car key


1. Do you drive for an hour or less every week?

Some of us do and PAYG may be for you.

It is believed there are 821,000 car owners who are on the roads very rarely and, assuming they pay an average £847, that’s £16 an hour.

Cuvva, the UK’s first app-based PAYG car insurer, claim they can cut the cost to £300.

2. Are you a young driver?

If you are, then policies like this may be the way forward.

Traditional car insurance lumps all young drivers together: if you’re young, you’re a greater risk.

But some young drivers are safe drivers and PAYG may be a way to tailor premiums to your own personal experience as a driver.

But bear in mind that some insurers may impose minimum age requirements such as 21.

As with any type of policy, shop around and check the small print before you buy.

3. Are you happy with black box insurance?

Many PAYG policies use telematics – or black box technology – to record your driving.

Young drivers, faced with higher premiums, are more likely to go for that option than older drivers and it may pay dividends for them.

4. Do you drive at off-peak times?

Off-peak times are defined by each individual insurance provider, but they’re typically at night and the early hours of the morning.

This could be ideal if you work irregular hours and need to drive to and from work.

5. Do you want insurance that reflects when you drive?

PAYG has become popular as the insurance industry changes along with new technology.

Up to now, infrequent drivers have paid the same price for their insurance policy as someone who is constantly on the road.

Many think this is unfair and the industry has started a more flexible approach, encouraging drivers to seek out cost-effective insurance policies which suit their needs

Against PAYG

1. Where do you drive?

Attention Geordie drivers: it might not be for you.

We might be jealous but motorists in London are more likely to save money than us.

Cockneys use their cars less frequently than anyone else because of the Congestion Charge.

Those of us in the North East, along with the North West and Wales, are likely to use our cars more so the saving will be less.

2. When do you drive?

Some policies might limit the time of day you drive.

So what happens when you are delayed and the time you paid for insurance runs out?

You could pay less if you don’t use your car at times viewed by insurers as higher-risk, for example at night, but that limits your choices if you get stuck through no fault of your own.

3. How far do you drive?

The obvious drawback to PAYG is that you might cover more miles one week than another.

MoneySuperMarket.com says if you cover a lot of miles, and can’t afford to cut back on your driving, the policy could end up costing you as much, if not more, than a traditional policy.

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4. What if your driving habits change?

If you took on a new job, or moved home and ended up with a longer commute, your insurance costs could increase accordingly.

Or maybe there are major road works, like those on the Coast Road and the Felling by-pass which might significantly alter what you expected your driving to look like to the insurance company.

5. Do you drive on quiet roads?

MoneySuperMarket.com warns that some PAYG insurers do not make a difference between busy roads and quiet ones.

They said: “There’s no distinction between types of roads.

“You might drive 50 miles a week on relatively quiet, safe roads but you’d pay the same as a driver who was driving 50 miles a week on a motorway.”

Dangerous driving incidents cut by fifth thanks to smartphone app

Young drivers in Northern Ireland reduced their number of dangerous driving incidents by a fifth using a new smartphone app.

ChilliDrive by Autoline Insurance measures speed, acceleration, braking and cornering during journeys to identify areas for improvement.

After six months, users slashed the average value of claims made by 50%, research by the insurer said.

Suzanne Curtis, from Autoline, said: “As a local insurance broker, we’re passionate about working with young people to make our roads safer.

“The Respect the Road campaign is part of a wider effort to create better driving habits and help raise awareness of the consequences of dangerous driving – particularly the devastating impact of using a mobile phone at the wheel.

“We are especially proud of our ChilliDrive app which is having a positive impact on users, helping them identify areas for improvement and significantly reducing their incidences of dangerous driving.”

The data relates to drivers aged 17-21 and was revealed as part of a road safety initiative which recently brought a car crash simulator to freshers’ weeks at Queen’s University and Belfast Met.

Sixty-eight people died on Northern Ireland’s roads last year. Almost 30% were aged under 25.

The car crash simulator is a specially equipped Ford Focus ST that includes in-car screens, speakers, smoke machines and bespoke hydraulics to recreate a real life fatal crash incident that led to a 17-year old driver being sentenced to prison.

ChilliDrive uses telematics technology to monitor the driving habits of its users and grade drivers on a scale of 1-5 for each recorded trip. The app creates a profile of each user and rewards safer drivers with improved rates and a significant discount on their premium.