Driver’s ed and defensive driving courses will always get you on good terms with your car insurance company, and it will also usually get you a discount of some kind. This value tends to increase when the drivers are among the higher risk population, such as teens or seniors. Twenty four hours a day, three hundred and sixty five days a year, somebody is killed in a car accident by a teen driver. Those statistics are good enough to bring it home to anyone that the kind of driving education that teen’s are getting just isn’t enough to save them or anybody else once they get out on the road. Even if you aren’t worried about your car insurance costs, getting your teenager additional driver’s education is important for that reason alone.

Driving courses for teenagers teach you how to steer and brake, but give little if any time to driving in dangerous situations. That’s why Jeff Payne, who used to be a race car driver, and a group of co workers are traveling around the country offering free driving courses to teens, called Driver’s Edge. There’s no doubt that these course will get you a discount on your car insurance premium. And as for practical results, as mentioned the courses are free, and really…who better to learn how to drive in dangerous situations from than a race car driver, whose job is to drive in dangerous situations?

The course comes in two sessions, each in segments of four hours, and the entry is tough because there’s only seventy five students allowed per session. There is the token in the classroom education, but the funnest and most educational part is the course set up on a parking lot outside the classroom. It isn’t your typical cone maze. Instead, students go out with a driving teacher and come across things such as skids, how to change lanes safely, tire blowouts and how to react in those situations, emergency braking, and much more.

The success rates for this program have been extremely high so far, measured by tests on driving knowledge administered at the beginning and end of the course. On average, students get 33% right at the beginning, but once the course is over they jump up to 85% right. That’s a big leap. Another measure of the course’s success is how much the teens love the course, even the classroom instruction. According to Payne’s own numbers, the rates of life endangering traffic accidents involving the teens who took these classes should go down about 35%.

Cheers,

Fashun Guadarrama.

We all know that men, at least men under the age of twenty five, pay more for their car insurance policies than women. I found this really funny commercial on YouTube that illustrates the reasons why. Okay, maybe it isn’t because guys are constantly driving their cars over cliffs while trying to be funny, but still, younger males are statistically more likely to get in damaging car accidents than are women, even if there is a stereotype in the media that women are bad drivers. The evidence goes in the other direction. So, car insurance companies put younger men in one risk pool and women in the other, so that one doesn’t have to pay for the high risk of the other group. Great, right?

Some guys may not agree, but more and more companies like the one featured in the commercial are finding it more and more lucrative to offer car insurance policies only to women. This is becoming more widely popular among companies in the United Kingdom, but the U.S. is catching up.

However, being a female is not a free pass to a cheap motor car insurance quote. If you want to get good rates on your car insurance, then you’ll have to behave yourself and keep good habits. It’s easy enough for a woman to lose her rate advantage by speeding and buying the wrong kind of car. So, unless you have a good driving history and buy a car that is friendly to your car insurance policy, then you might as well be getting the same rates as a male would.

Cheers,

Fashun Guadarrama.

OK, finally found some good information about how to save money on car insurance. I liked what the Allstate auto insurance spokesman said…at least he was honest about it.

Do you know what vehicles have lower car insurance premiums, does the color of your vehicle make a difference, is there really a student discount and can your teenage driver really get this type of cheaper coverage?

Not rocket science, but good honest info about ways to save on auto insurance.

Oh My Goodness………if you don’t care for racial jokes….this next youtube video is not for you. I was looking for some funny auto insurance videos…and found this one…I have to admit I laughed, but would never would admit it in public.

This is pretty funny….have you actually called your auto insurance company and talked to them on the phone about a problem. They usually do NOT want to talk to you….but would rather get you off the phone as quickly as possible. At least that is what happens to me.

I found this video about Vin Diesel calling his auto insurance company to tell them about an accident he just had….I can tell ya, he is NOT talking to my insurance agent. Ha!