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Agressive Driving in the U.S.

Traffic Jams and Accidents

Aggressive Driving Aggressive driving is a major factor in U.S. traffic accidents, playing a role not just in well-publicized incidents of road rage, but in a large number of fatal highway collisions each year. The National Highway Traffic Safety Administration (NTHSA) defines aggressive driving as occurring when "an individual commits a combination of moving traffic offenses so as to endanger other persons or property." While aggressive driving is difficult to quantify, a 2009 study by the American Automobile Association attempted to identify behaviors associated with aggressive driving, based on data tracked by NHTSA’s Fatal Accident Report System (FARS). It found that aggressive driving played a role in 56 percent of fatal crashes from 2003 through 2007, with excessive speed being...

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36 Interesting Facts About Car Insurance

learn more auto insurance facts

How many times have you been at a dinner party or event and needed a conversation starter to break the ice? I understand your plight. Auto insurance has been in existence for over 100 years! I’ve scoured databases, books, and other sources to find some of the most interesting facts about car insurance today. Take a look at some of these interesting facts for yourself: The Toyota Sienna Minivan has one of the lowest yearly premiums compared to all other cars. The Honda Fit EV will add free collision insurance to the entire lease period. The type of car you drive affects the way that you drive and your premiums. Buying a new car will definitely increase your insurance premiums....

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Future of Car Insurance

Future of Car Insurance

Imagine shopping for your next car insurance and the car company offers an insurance that connects a black box, dongle or a mobile phone app, which tracks how you drive, and saves you up to 30 percent on premiums. This, in essence, is the future of connected car insurance, also called usage-based car insurance (UBI), whereby based on how you drive, when you drive and where you drive, you will receive a competitive quote if you are what the technology deems a ‘safe driver.’ Usage-based car insurance started in the late 2000’s as a niche experimental effort by a select number of insurance companies in select regional markets. Fueled by an increase in the number of connected cars and smartphones,...

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Car Insurance Rates Going Up Because Everyone Keeps Texting and Driving

Auto Insurance Going Up

American drivers are taking their eyes off the road more than ever before — and that danger behind the wheel is now going after your wallet. When Babette Labeij of Marina del Ray, California, wanted to add her 17-year-old daughter Nikki to the family's car insurance policy, she was shocked to discover the new annual cost would skyrocket to $4709. "It's double the price. Unbelievable!" she told NBC News. How Distracted Driving is Taking a Toll on Insurance Costs1:40 Her family is one of millions of Americans hit by the rising cost of car insurance. The cause? Distracted driving. Since 2011, the average insurance premium has jumped 16 percent to $926. Insurance companies say the sharp spike is partly caused...

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Things To Know About Auto Insurance

8 Things to Know About Auto Insurance

8 Things You Should Know About Auto Insurance Experts often tell you to buy as much car insurance as you can afford. That's probably not helpful unless you know the basics on how auto insurance works -- and which coverages you can't skimp on. Compare car insurance quotes only when you understand the coverages that are best for you. It might be helpful to use our auto insurance coverage calculator to see what other drivers like you -- your age, in your state -- choose, and what we recommend. 1) Some of the most helpful coverages are the cheapest. The coverage you are required by law to buy -- liability insurance -- typically is the most expensive. It should be. The most common...

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Adding Teen Driver to Auto Policy

Teen Driver and Vehicle insurance

Adding Teen Driver Yields Average 79% Premium Rise PARENTS looking forward to having their newly licensed teenagers drive themselves on errands this summer may be less enthusiastic when they see the family’s new insurance bill. Families adding a teenage driver to their auto insurance policy will see their premium increase by an average of 79 percent, the latest analysis from insuranceQuotes.com finds. That’s a bit lower than the average increases seen in recent years, but it is still a hit to the wallet. In some states, the average premium doubles. And even in states with relatively modest increases, premiums can balloon by double digits. “Parents need to understand, it’s very expensive to add a teenager,” said Laura Adams, senior insurance...

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NC Auto Insurance Analysis

Cheapest Auto Insurance

Most Expensive Car Insurers in North Carolina By ValuePenguin.com The three most expensive insurers were Safeco, MetLife, and Allstate, based on North Carolina Auto Insurance Analysis. With an average annual rate of $873, the three national insurance companies cost about 27% more than the 13-company composite average from the study. Compared to the cheapest three, Safeco, MetLife, and Allstate were roughly $371 more expensive each year for our two drivers' basic liability insurance policies. For the full list of insurers, , where they're ranked from most affordable to most expensive. Rates are based on the average of our two drivers, who haven't had any traffic violations or accidents in the past five years. Based on your experience as a driver,...

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North Carolina and Elsewhere Vehicle Insurance

North Carolina and Elsewhere Vehicle Insurance

Vehicle insurance, in the United States and elsewhere, is designed to cover risk of financial liability or the loss of a motor vehicle the owner may face if their vehicle is involved in a collision resulting in property or physical damages. Some states require a motor vehicle owner to carry some minimum level of liability insurance. States that do not require the vehicle owner to carry car insurance include Virginia, where an uninsured motor vehicle fee may be paid to the state; New Hampshire, and Mississippi which offers vehicle owners the option to post cash bonds (see below). The privileges and immunities clause of Article IV of the U.S. Constitution protects the rights of citizens in each respective state when...

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