Top 3 Tips: Save Money on MA Auto Insurance

Top 3 Tips: Save Money on MA Auto Insurance

# 1 Tip for saving money on MA auto insurance: Drive Safely!

#2 Tip for saving money on MA auto insurance: Package your auto insurance with your home or apartment policy!

#3 Tip: Shop Around!

Different companies have different rates for different risks.

Your best choice for “shopping around” for auto insurance is by using your local, independent Massachusetts insurance agent.

Massautoquote.com utilizes the rating power of the independent agent.

Call or click us  to submit an online MA auto insurance quote request form.

MA Auto Insurance – Teenage Driving

 

The Insurance Institute for Highway Safety offers the following tips for Parents of Teenage Drivers:

Don’t rely solely on driver education. High school driver education may be the most convenient way to learn skills, but it doesn’t produce safer drivers. Poor skills aren’t always to blame. Teenagers’ attitudes and decision-making matter more. Young people tend to rebel, and some teens seek thrills like speeding. Training and education don’t change these tendencies. Peers are influential, but parents have much more influence than typically is credited to them.

Know the law.Become familear with restrictions on your drivers. Then enforce the restrictions. (To learn more about MA Junior Operator License restrictions go to: http://massautoquote.com/blogdata/?page_id=446)

Restrict night driving.Most young drivers’ nighttime fatal crashes between 9 p.m. and midnight, so teenagers shouldn’t be driving much later than 9. The problem isn’t just that such driving requires more skill behind the wehel. Late outings tend to be recreational, and even teens who usually follow the rules can be easily distracted or encouraged to take risks.

Restrict Passengers. Teenage passengers riding in a vehicle with a beginning driver can distract the driver and/or lead to greater risk-taking. About 6 of every 10 deaths of teenage passengers occur in crashes with teen drivers. While driving at night with passengers is particularly lethal, many of the fatal crashes involving teen passengers occur during the day. The best policy is to restrict teenage passengers, especially multiple teens, all the time.

Supervise practice driving.Take an active role in helping your teenager learn to drive. Plan a series of practice sessions that include a wide variety of situations, including night driving. Give beginners time to work up to challenges like driving in heavy traffic or on the freeway. Continue to supervise practice drivign by your teenager after graduation from a learner’s permit to a restriceted or full license.

Remember that you’re a role model.New drivers learn a lot by example, so practice safe drving yourself. Teenagers who have crashes and violations often have parents with poor driving records.

Require safety belt use. Don’t assume that belt use when you’re int he car with you 16 year-old means a safety belt will be used when your child is driving alone or out with peers. Insist on using safety belts all the time.

Prohibit driving after drinking alcohol. Make it clear to your child that it’s illegal and highly dangerous for a teenager to drive after drinking alcohol or using any other drug. While alcohol isn’t a factor in most of the fatal crashes that involve 16 year-old-drivers, even small amounts of alcohol are impairing for teenagers.

Choose vehicles with safety, not image, in mind. Teens should drive vehicles that reduce their chances of crashing in the first place and then offer protection from injury in case they do crash. For example, small cars don’t offer the best occupant protection in case of a collision. Avoid vehicles with performance images that might encourage a teenager to speed. The best vehicle choice for your teenager, and for everyone else in your family, is one that’s equipped with the latest safety technology including side airbags that protect people’s heads and electronic stability control. 

Beware: Rear-end Collisions use the “three-second rule”

The American Driver and Traffic Safety Education Association suggests using the “three-second rule” to help prevent rear-end accidents.

The “three-second rule” accounts for your reaction time to the movements of the vehicle ahead and your vehicle’s stopping distance.

You should add more time if the road is slippery, if you’re being crowded by a tailgater, if you’re towing a trailer or if you’re driving a large truck.

The three-second rule:

When the vehicle ahead of you passes a stationary object, start counting:  1,001 … 1,002 …

The first second is your reaction time; the next two seconds account for your braking distance

You should not reach the object before you count to … 1,003. If you do, you are following too closely.

At a vehicle speed of 55 mph, the three-second rule creates a gap of 243 feet between cars.