SOME PEOPLE IN CHARLOTTE CANNOT AFFORD INSURANCE, OTHERS JUST PAY TOO MUCH
Simple Proven Method To Reduce Insurance Costs
Why is Charlotte car insurance car insurance so expensive? How can I lower my insurance costs and still get the coverage I need? We will discuss the different aspects of car insurance.
Why is Charlotte car insurance car insurance so expensive? How can I lower my insurance costs and still get the coverage I need? We will discuss the different aspects of car insurance.
Why Does Everyone Pay Different Prices For Car Insurance?
It may sometimes seem like buying car insurance in Charlotte, or for that matter anywhere in North Carolina, is getting to be like buying an airline ticket. No two people ever pay the same price for airline tickets and it seem the same for car insurance. There are many factors involved in pricing auto insurance. The insurance companies have factored the odds from hundreds of variables to come up with their prices. Las Vegas can only look on in shame! Some of the factors are: age; If you are under the age of 25, you most likely pay more for your insurance. If you are a male under 25, you are paying the highest ratesof all. There is one big reason for this, and that is that boys under 25 have by far the worst driving record. They are involved in one and one half times more accidents that similar aged females. Each year, over 5,000 teenage drivers die in car crashes and almost 400,000 are seriously injured. The type of car you drive will affect your costs. There is a huge difference between a Toyota Corrolla and a Corvette. Your past driving record is also strongly reviewed. If you have a history of many accidents, driving under the influence of alcohol or drugs, many speeding convictions, statistically shows that you are a bad risk and have a good chance of being in a serious accident. The number of miles you drive will affect your rates. The longer you are in a car, the greater the chances you are in an accident. The further your commute to work, the greater the chance of an accident, especially with the increased traffic in rush hour. Heavily populated areas having more cars on the road , number of cars, safety record of your car, also hav effects on your rates. One thing many people do not realize, is that a poor credit score results in higher premiums.
Taking into account all of the above variables, there is one other thing you can do to get cheaper Charlotte car insurance rates, and that is to do comparative shopping. The following site will help you find the best rates, click here
Taking into account all of the above variables, there is one other thing you can do to get cheaper Charlotte car insurance rates, and that is to do comparative shopping. The following site will help you find the best rates, click here
Top Reasons For Car Accidents In Charlotte.
The following are the top reasons for accidents in the Charlotte area.
1) Distracted Driving- Whether it is talking on a cell phone, eating breakfast, reading the newspaper or putting on makeup, the driver's attention is not completely on the road. Distractions are the top cause of accidents today, not just in North Carolina, but across the country.
2) Speeding- Few people realize how quick a car is going at different speeds. At 60 miles per hour, you are traveling 88 feet each second. If you are distracted for only 3 seconds, you have traveled 264 feet, almost the length of a football field. It is easy to see how an accident can occur traveling that far and at that speed without paying attention.
3)Driving under the influence-Whether it is alcohol or drugs, driving under the influence is responsible for thousands of deaths each year.
For more statistics regarding auto accidents in Charlotte, see NHTSA
1) Distracted Driving- Whether it is talking on a cell phone, eating breakfast, reading the newspaper or putting on makeup, the driver's attention is not completely on the road. Distractions are the top cause of accidents today, not just in North Carolina, but across the country.
2) Speeding- Few people realize how quick a car is going at different speeds. At 60 miles per hour, you are traveling 88 feet each second. If you are distracted for only 3 seconds, you have traveled 264 feet, almost the length of a football field. It is easy to see how an accident can occur traveling that far and at that speed without paying attention.
3)Driving under the influence-Whether it is alcohol or drugs, driving under the influence is responsible for thousands of deaths each year.
For more statistics regarding auto accidents in Charlotte, see NHTSA
Teen Drivers: Fact Sheet
Motor vehicle crashes are the leading cause of death for U.S. teens, accounting for more than one in three deaths in this age group.1 In 2008, nine teens ages 16 to 19 died every day from motor vehicle injuries. Per mile driven, teen drivers ages 16 to 19 are four times more likely than older drivers to crash. Fortunately, teen motor vehicle crashes are preventable, and proven strategies can improve the safety of young drivers on the road.
How big is the problem?
In 2008, about 3,500 teens in the United States aged 15-19 were killed and more than 350,000 were treated in emergency departments for injuries suffered in motor-vehicle crashes.1,2
Young people ages 15-24 represent only 14% of the U.S. population. However, they account for 30% ($19 billion) of the total costs of motor vehicle injuries among males and 28% ($7 billion) of the total costs of motor vehicle injuries among females.3
Who is most at risk?
The risk of motor vehicle crashes is higher among 16- to 19-year-olds than among any other age group. In fact, per mile driven, teen drivers ages 16 to 19 are four times more likely than older drivers to crash.4
Among teen drivers, those at especially high risk for motor vehicle crashes are:
%u2022 Males: In 2006, the motor vehicle death rate for male drivers and passengers ages 15 to 19 was almost two times that of their female counterparts.1
%u2022 Teens driving with teen passengers: The presence of teen passengers increases the crash risk of unsupervised teen drivers. This risk increases with the number of teen passengers.5
%u2022 Newly licensed teens: Crash risk is particularly high during the first year that teenagers are eligible to drive.4
What factors put teen drivers at risk?
%u2022 Teens are more likely than older drivers to underestimate dangerous situations or not be able to recognize hazardous situations.6
%u2022 Teens are more likely than older drivers to speed and allow shorter headways (the distance from the front of one vehicle to the front of the next). The presence of male teenage passengers increases the likelihood of this risky driving behavior.7
%u2022 Among male drivers between 15 and 20 years of age who were involved in fatal crashes in 2005, 37% were speeding at the time of the crash and 26% had been drinking.8,9
%u2022 Compared with other age groups, teens have the lowest rate of seat belt use. In 2005, 10% of high school students reported they rarely or never wear seat belts when riding with someone else.10
%u2022 Male high school students (12.5%) were more likely than female students (7.8%) to rarely or never wear seat belts.10
%u2022 African-American students (12%) and Hispanic students (13%) were more likely than white students (10.1%) to rarely or never wear seat belts.10
%u2022 At all levels of blood alcohol concentration (BAC), the risk of involvement in a motor vehicle crash is greater for teens than for older drivers.10
%u2022 In 2008, 25% of drivers ages 15 to 20 who died in motor vehicle crashes had a BAC of 0.08 g/dl or higher.10
%u2022 In a national survey conducted in 2007, nearly three out of ten teens reported that, within the previous month, they had ridden with a driver who had been drinking alcohol. One in ten reported having driven after drinking alcohol within the same one-month period.10
%u2022 In 2008, nearly three out of every four teen drivers killed in motor vehicle crashes after drinking and driving were not wearing a seat belt.10
%u2022 In 2008, half of teen deaths from motor vehicle crashes occurred between 3 p.m. and midnight and 56% occurred on Friday, Saturday, or Sunday.10
How can deaths and injuries resulting from crashes involving teen drivers be prevented?
There are proven methods to helping teens become safer drivers. Research suggests that the most comprehensive graduated drivers licensing (GDL) programs are associated with reductions of 38% and 40% in fatal and injury crashes, respectively, among 16-year-old drivers.1
Graduated driver licensing (GDL) systems are designed to delay full licensure while allowing teens to get their initial driving experience under low-risk conditions. For more information about GDL systems, see Teens Behind the Wheel: Graduated Drivers Licensing.
When parents know their state's GDL laws, they can help enforce the laws and, in effect, help keep their teen drivers safe.
References
1. Centers for Disease Control and Prevention. Web-based Injury Statistics Query and Reporting System (WISQARS) [Online]. (2009). National Center for Injury Prevention and Control, Centers for Disease Control and Prevention (producer). Available from: URL: www.cdc.gov/injury/wisqars. [Cited 2009 Nov 3].
2. NHTSA[2009]. Fatality Analysis Reporting System (FARS), 2008. Washington, DC: U.S. Department of Transportation, National Highway Traffic Safety Administration, National Center for Statistics and Analysis. Available from URL: http://www-fars.nhtsa.dot.gov/Main/index.aspx.
3. Finkelstein EA, Corso PS, Miller TR, Associates. Incidence and Economic Burden of Injuries in the United States. New York: Oxford University Press; 2006.
4. Insurance Institute for Highway Safety (IIHS). Fatality facts: teenagers 2008. Arlington (VA): The Institute; 2009 [cited 2009 Nov 3]. Available from: URL: http://www.iihs.org/research/fatality_facts_2008/teenagers.html.
5. Chen L, Baker SP, Braver ER, Li G. Carrying passengers as a risk factor for crashes fatal to 16- and 17-year old drivers. JAMA 2000;283(12):1578-82.
6. Jonah BA, Dawson NE. Youth and risk: age differences in risky driving, risk perception, and risk utility. Alcohol, Drugs and Driving 1987;3:13-29.
7. Simons-Morton B, Lerner N, Singer J. The observed effects of teenage passengers on the risky driving behavior of teenage drivers. Accident Analysis and Prevention
8. National Highway Traffic Safety Administration (NHTSA), Dept. of Transportation (US). Traffic safety facts 2008: Speeding. Washington (DC): NHTSA; 2000a [cited 2009 Nov 6]. Available from: URL: http://www-nrd.nhtsa.dot.gov/Pubs/811166.PDF
9. National Highway Traffic Safety Administration (NHTSA), Dept. of Transportation (US). Traffic safety facts 2008: Young Drivers. Washington (DC): NHTSA; 2008b [cited 2009 Nov 6 ]. Available from: URL: http://www-nrd.nhtsa.dot.gov/Pubs/811169.PDF
10. Centers for Disease Control and Prevention. Youth Risk Behavior Surveillance-United States, 2007 [Online]. (2009). National Center for Chronic Disease Prevention and Health Promotion (producer). Available from: URL: http://apps.nccd.cdc.gov/yrbss/CategoryQuestions.asp?cat=1&desc=Unintentional Injuries and Violence.* [Cited 2009 Nov 6 ].
Resources
Graduated Drivers Licensing Toolkit (order a copy online) %u2028In this Healthy States tool kit, users can find out more about GDL systems, why GDL laws are needed, and what state legislators can do to improve state GDL laws.
Graduated Drivers Licensing Fact Sheets (from the 2007 International Symposium on Novice Teen Driving: GDL and Beyond) %u2028The National Safety Council, with sponsorship from the CDC, the National Highway Traffic Safety Administration (NHTSA), the GEICO Foundation, Nationwide Insurance, General Motors Corporation, and State Farm Insurance, held the second International Symposium on Novice Teen Driving in February 2007. These fact sheets summarize the current scientific findings on Graduated Driver Licensing that were presented at the Symposium in February. Information in the fact sheets is based on papers written by Symposium presenters and published in the April 2007 GDL Special Issue of the Journal of Safety Research.
The Guide to Community Preventive Services%u2028This online guide offers recommendations about motor vehicle injury prevention issued by the Task Force on Community Preventive Services.
Reprinted from the Center for Disease Control/teen_drivers
How big is the problem?
In 2008, about 3,500 teens in the United States aged 15-19 were killed and more than 350,000 were treated in emergency departments for injuries suffered in motor-vehicle crashes.1,2
Young people ages 15-24 represent only 14% of the U.S. population. However, they account for 30% ($19 billion) of the total costs of motor vehicle injuries among males and 28% ($7 billion) of the total costs of motor vehicle injuries among females.3
Who is most at risk?
The risk of motor vehicle crashes is higher among 16- to 19-year-olds than among any other age group. In fact, per mile driven, teen drivers ages 16 to 19 are four times more likely than older drivers to crash.4
Among teen drivers, those at especially high risk for motor vehicle crashes are:
%u2022 Males: In 2006, the motor vehicle death rate for male drivers and passengers ages 15 to 19 was almost two times that of their female counterparts.1
%u2022 Teens driving with teen passengers: The presence of teen passengers increases the crash risk of unsupervised teen drivers. This risk increases with the number of teen passengers.5
%u2022 Newly licensed teens: Crash risk is particularly high during the first year that teenagers are eligible to drive.4
What factors put teen drivers at risk?
%u2022 Teens are more likely than older drivers to underestimate dangerous situations or not be able to recognize hazardous situations.6
%u2022 Teens are more likely than older drivers to speed and allow shorter headways (the distance from the front of one vehicle to the front of the next). The presence of male teenage passengers increases the likelihood of this risky driving behavior.7
%u2022 Among male drivers between 15 and 20 years of age who were involved in fatal crashes in 2005, 37% were speeding at the time of the crash and 26% had been drinking.8,9
%u2022 Compared with other age groups, teens have the lowest rate of seat belt use. In 2005, 10% of high school students reported they rarely or never wear seat belts when riding with someone else.10
%u2022 Male high school students (12.5%) were more likely than female students (7.8%) to rarely or never wear seat belts.10
%u2022 African-American students (12%) and Hispanic students (13%) were more likely than white students (10.1%) to rarely or never wear seat belts.10
%u2022 At all levels of blood alcohol concentration (BAC), the risk of involvement in a motor vehicle crash is greater for teens than for older drivers.10
%u2022 In 2008, 25% of drivers ages 15 to 20 who died in motor vehicle crashes had a BAC of 0.08 g/dl or higher.10
%u2022 In a national survey conducted in 2007, nearly three out of ten teens reported that, within the previous month, they had ridden with a driver who had been drinking alcohol. One in ten reported having driven after drinking alcohol within the same one-month period.10
%u2022 In 2008, nearly three out of every four teen drivers killed in motor vehicle crashes after drinking and driving were not wearing a seat belt.10
%u2022 In 2008, half of teen deaths from motor vehicle crashes occurred between 3 p.m. and midnight and 56% occurred on Friday, Saturday, or Sunday.10
How can deaths and injuries resulting from crashes involving teen drivers be prevented?
There are proven methods to helping teens become safer drivers. Research suggests that the most comprehensive graduated drivers licensing (GDL) programs are associated with reductions of 38% and 40% in fatal and injury crashes, respectively, among 16-year-old drivers.1
Graduated driver licensing (GDL) systems are designed to delay full licensure while allowing teens to get their initial driving experience under low-risk conditions. For more information about GDL systems, see Teens Behind the Wheel: Graduated Drivers Licensing.
When parents know their state's GDL laws, they can help enforce the laws and, in effect, help keep their teen drivers safe.
References
1. Centers for Disease Control and Prevention. Web-based Injury Statistics Query and Reporting System (WISQARS) [Online]. (2009). National Center for Injury Prevention and Control, Centers for Disease Control and Prevention (producer). Available from: URL: www.cdc.gov/injury/wisqars. [Cited 2009 Nov 3].
2. NHTSA[2009]. Fatality Analysis Reporting System (FARS), 2008. Washington, DC: U.S. Department of Transportation, National Highway Traffic Safety Administration, National Center for Statistics and Analysis. Available from URL: http://www-fars.nhtsa.dot.gov/Main/index.aspx.
3. Finkelstein EA, Corso PS, Miller TR, Associates. Incidence and Economic Burden of Injuries in the United States. New York: Oxford University Press; 2006.
4. Insurance Institute for Highway Safety (IIHS). Fatality facts: teenagers 2008. Arlington (VA): The Institute; 2009 [cited 2009 Nov 3]. Available from: URL: http://www.iihs.org/research/fatality_facts_2008/teenagers.html.
5. Chen L, Baker SP, Braver ER, Li G. Carrying passengers as a risk factor for crashes fatal to 16- and 17-year old drivers. JAMA 2000;283(12):1578-82.
6. Jonah BA, Dawson NE. Youth and risk: age differences in risky driving, risk perception, and risk utility. Alcohol, Drugs and Driving 1987;3:13-29.
7. Simons-Morton B, Lerner N, Singer J. The observed effects of teenage passengers on the risky driving behavior of teenage drivers. Accident Analysis and Prevention
8. National Highway Traffic Safety Administration (NHTSA), Dept. of Transportation (US). Traffic safety facts 2008: Speeding. Washington (DC): NHTSA; 2000a [cited 2009 Nov 6]. Available from: URL: http://www-nrd.nhtsa.dot.gov/Pubs/811166.PDF
9. National Highway Traffic Safety Administration (NHTSA), Dept. of Transportation (US). Traffic safety facts 2008: Young Drivers. Washington (DC): NHTSA; 2008b [cited 2009 Nov 6 ]. Available from: URL: http://www-nrd.nhtsa.dot.gov/Pubs/811169.PDF
10. Centers for Disease Control and Prevention. Youth Risk Behavior Surveillance-United States, 2007 [Online]. (2009). National Center for Chronic Disease Prevention and Health Promotion (producer). Available from: URL: http://apps.nccd.cdc.gov/yrbss/CategoryQuestions.asp?cat=1&desc=Unintentional Injuries and Violence.* [Cited 2009 Nov 6 ].
Resources
Graduated Drivers Licensing Toolkit (order a copy online) %u2028In this Healthy States tool kit, users can find out more about GDL systems, why GDL laws are needed, and what state legislators can do to improve state GDL laws.
Graduated Drivers Licensing Fact Sheets (from the 2007 International Symposium on Novice Teen Driving: GDL and Beyond) %u2028The National Safety Council, with sponsorship from the CDC, the National Highway Traffic Safety Administration (NHTSA), the GEICO Foundation, Nationwide Insurance, General Motors Corporation, and State Farm Insurance, held the second International Symposium on Novice Teen Driving in February 2007. These fact sheets summarize the current scientific findings on Graduated Driver Licensing that were presented at the Symposium in February. Information in the fact sheets is based on papers written by Symposium presenters and published in the April 2007 GDL Special Issue of the Journal of Safety Research.
The Guide to Community Preventive Services%u2028This online guide offers recommendations about motor vehicle injury prevention issued by the Task Force on Community Preventive Services.
Reprinted from the Center for Disease Control/teen_drivers
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