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[C149]Car Insurance Convicted Driver
by M Wakefield, M W
Originally driver's education was just to teach kids how to pass a driver's test, now there is a whole new generation of driver's education classes that stress safety and real life practice. The old classes that consisted mostly of safety videos from the 1970s that put students to sleep combined with a few lectures on drinking and driving are gone. In some of those classes students only spent six hours behind the wheel.

But the long decline of driver's education may be ending. Some states, prodded by a growing coalition of public school instructors and safety groups, are rethinking the way teens learn the rules of the road. Driver's education officials are upgrading and standardizing what teens are taught, putting an emphasis on anticipating risky situations.

The marketplace has also jumped in to rapidly fill the empty space. Safe Smart Women, a non-profit group in Silver Spring, MD.,has classes for women drivers in 12 cities. Florida-based New Driver Car Control Clinics located in 10 states has half-day seminars which situate teen drivers and one parent inside an auto while experts radio over directions on how to brake at the car's limit and veer while retaining control. Even the AARP has an 8-hour classroom refresher Driver Safety Program to teach the effects of aging on driving and how you can adjust your driving.

A one-day course, called Street Survival, is intended to give teens the skills to deal with extreme conditions. These sessions are organized by the local BMW Car Club of America and staffed by volunteers, who ride with the teens as they go through maneuvers. Here teens accelerate and slam on the brakes, take curves too fast and make the car skid on a hosed-down parking lot--all to practice regaining control.

These new instructors believe that driving isn't about taking written tests; it's about psycho-motor skills. Classes place teen drivers and one parent inside a car on a motor track, while experts radio over instructions on how to brake at the vehicle's limit and swerve while retaining control. Students learn safe driving techniques and get plenty of behind-the-wheel training.

Drivers Education has a green side too- By training in hybrids, students complete thousands of miles of training but use less fuel and create fewer carbon emissions. More and more programs are using these vehicles with great success. Drivers Ed Direct is a small driver's education firm in Los Angeles that exclusively uses hybrid vehicles; specifically the Ford Escape. The popularity of hybrid vehicles in southern California is one of the keys to Drivers Ed Direct's success.

There is even fun driving class. Comedy Guys Entertainment combining a bunch of professional comedians and a defensive driving school. Approved by Texas Department of Public Safety, instruction is in-class work, done in fine restaurants with meals and refreshments included.

For the time being, numerous car insurance companies charge lower rates for teenage drivers who have had driver's education. That's one important reason to make driver's education an important part of a teen's life.

Most people learn to drive between the ages of 17 and 25 and as soon as they've passed their driving test they think they're 120% passed as competant drivers. They can take the world on at driving. They're budding rally drivers and F1 proteges. They know itn all! WRONG! Just ask the car insurers and consider four facts:

• 1 in 5 drivers crash within one year of passing their test.

• 1 in 3 male drivers between 17 and 20 years of age crash within two years of passing their test.

• An 18 year old driver is 3 times as likely to be involved in a crash as a 48 year old driver.

• Young drivers are more likely to be involved in high speed accidents, accidents involving losing control, accidents after dark and accidents during overtaking and negotiating a bend.

So it's no surprise that any young driver will be classed as a higher risk than older, and more experienced, drivers on the road. Consequently they can expect to pay significantly more for their car insurance premiums. And it's not just that the basic premium is higher, relatively few young drivers build up many years of No Claims Bonus. This all conspires to very expensive car insuranve. Add this to any penalty points they accumulate and finding competitive high risk car insurance can become a major problem.

This means that to stand any chance of getting a reasonable car insurance quote you have to shop around. If you don't you can find yourself forking out hundreds of pounds more than you need to. All it takes is 30 minutes searching online. Some car insurers won't touch young drivers (which they normally defined as under 25 – but if the car is relatively powerful, that can go up to 30.)

But it's adviseable to start out on your driving career with a low powered car and a low engine capacity. And it's also good advice to get quotes for any car you're interested in buying before you buy it. Then you can be sure that you can get insurance for that car and at a price you can afford - before splash out buying the vehicle!

The fact is that these days all car insurance is expensive, but younger drivers are quite rightly perceived to be the highest risk. If you buy an old banger to get around in, it can even cost more to insure the car than it cost to buy!
When you add the cost of insurance to the costs of fuel and road tax many youngsters are priced out of running their own car.

And then there's the problem of financing the car. The credit crunch has not only hit mortgages. Most lenders are now very choosey when it comes to car finance. Unless you have an exlempory credit record you'll find the interest charges are very high. If you do have an impaired credit history the chances are that you will not find a lender willing to let you have any loan.

The green brigade will probably be quite happy to see people priced off the road onto public transport but I suspect few young drivers will share their enthusiasm.

Article Source : Auto Insurance Quote In

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Both M Wakefield & Michael Challiner are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.

M Wakefield has sinced written about articles on various topics from Vietnam Travel, Auto Insurance and Cheap Insurance for Car. Receive a that will save you money by visiting. M Wakefield's top article generates over 1900 views. to your Favourites.

Michael Challiner has sinced written about articles on various topics from Finances, Advertising Guide and Quit Smoking. Get great deals on personal loans from Loan sure. Please visit our site for helpful articles on . Brokers Online offers cutting edge articles and informa. Michael Challiner's top article generates over 165000 views. to your Favourites.
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