Tag: new jersey commercial auto insurance

Teen Drivers and New Jersey Commercial Auto Insurance

new jersey commercial auto insurance

All parents of teenagers get anxious about their kids becoming drivers. Driving is a privilege and kids have to understand the dangers associated with not learning the necessary skills to be a good driver. Thankfully, there are some easy ways parents in New Jersey can reduce the high cost of insuring a teen driver.

Since most parents will simply add their teen drivers to their own policies (because it’s generally a less expensive option), many teen drivers don’t have to worry about getting their own auto insurance policy. But because they present more of a risk, new jersey commercial auto insurance rates are generally going to be higher for teenage drivers.

There are plenty of steps that will allow both teens and parents to maintain affordable premiums.

Tips to save money on car insurance for teens

The fact is that due to a lack of driving experience, many teens are facing situations for the first time that could cause accidents. Distracted driving tops the list of reasons why young drivers are involved in collisions and why rates for younger motorists remain quite high. But there are ways to help reduce the expense of auto insurance.

Many auto insurance companies offer good student discounts, which are discounts for teen drivers who make a certain grade point average (usually a B average and up). Having your teen enroll in a driver’s education program can help reduce insurance costs as well.

Certain states require teens to complete a drivers education course and many providers offer discounts for successfully completing the course, which means teens will be rewarded for their efforts. Taking an additional driver training course can’t hurt either.

Depending on which auto insurance companies that you contact, an additional drivers training course could result in additional discounts on your premium. The extra training also brings instant and future benefits as far as safe driving is concerned. Teens should own a safe, reliable starter car. Newer models and racing-style cars are more expensive to insure than older models or the more practical models available. This can be a very important consideration.

Finally, by paying a higher deductible, parents can help to lower new jersey commercial auto insurance rates overall. But practicing safe driving and not getting into accidents is the only way to keep the cost of insurance low. Speak to a reputable agent today.

Distracted Drivers and New Jersey Commercial Auto Insurance

new jersey commercial auto insurance

Never mind the slew of distractions that a driver once faced from foul weather to arguing children in the backseat, since the advent of smartphones motorists have become their own worst enemy. This has created a real challenge for the driver as well as making them a danger to others with whom share the road.

The National Highway Traffic Safety Administration (NHTSA) estimates that distraction and inattention contribute to nearly a third of reported automobile crashes. Your new jersey commercial auto insurance will pay for any damages, but fatalities cannot be fixed with an insurance policy.

Managing So Many Distractions

Drivers, particularly younger drivers, can’t resist sending or answering a text while behind the wheel. They simply don’t consider the consequences of their actions. It only takes a second or two of taking your eyes off of the road for conditions to change and an accident to occur. A child running into the street after a ball, a driver entering the street from a driveway, or any number of instances where a clear path suddenly has an object in the path of your car and your inattentiveness suddenly spells disaster.

Regulators have rushed to deal with the flood of distractions that invade the automobile, including GPS displays, Bluetooth devices for phones, texting and e-mail, and even social network apps. Cant that post to Facebook wait until the car is stopped and the engine turned off?

While the solution continues to be in the form of mostly imposing fines and attempts at heightened awareness, there is still a growing effort by engineers to build cars that gauge the difficulty of situations and recognize a drivers inability to handle all of these stimuli.

The NHTSA has issued voluntary accessory-design guidelines in an effort to reduce distraction, but as long as newer and more engaging gadgets are being produced, managing all of these distractions will continue to be an issue. Safety groups continue to press for restrictions on phone conversations and messaging in the car, but the fact is that drivers must bear the responsibility of refraining from the use of smartphones and other gadgetry when they are supposed to be responsible, not only for their own lives, but for the lives of others.

Having New Jersey commercial auto insurance is a necessary coverage in the event you have an accident, but common sense dictates that drivers need to remove those distractions they have control over which will thereby reduce their chances of being in an accident in the first place.