Car Insurance Boston

Cause for Concern for Summer Drivers: Speeding, Texting, and Distracted ...

/PRNewswire/ -- Summer is here which means teens are pouring out of the classroom and into their cars.  And a new study by Liberty Mutual Insurance and SADD (Students Against Destructive Decisions) gives parents reason to pause before they hand over the keys to their newly freed young driver.  The 2011 Liberty Mutual/SADD teen driving study reveals an alarmingly high number of young drivers who have had "near misses" while driving and some insight into what may be chief contributors to those events, despite what the teens think.  According to the study, 68 percent of teens admit to have narrowly avoided a crash – with more than half of those (56 percent) reporting multiple instances – yet young drivers are more apt to blame external causes such as other drivers or the weather rather than owning up to any personal responsibility in the near-miss.

(Logo:   http://photos.prnewswire.com/prnh/20110607/NE15669LOGO )

In the national study of 2,294 high school students, one in three drivers (34 percent) who say they have had a "near miss" point the finger at another driver, while 21 percent say the weather was the primary cause.  Yet when asked what they were doing in the car at the time of the incident, teens admitted to a rash of distractive or dangerous behaviors:

Speeding: 30 percent Texting while driving: 21 percent Talking to passengers: 20 percent Changing songs on their MP3 player: 17 percent

Ironically, only 9 percent of teens believed excessive speed was the primary contributor, 13 percent said texting while driving was to blame, and 6 percent said their own passengers distracted them.

Further, teens who admit to have narrowly avoided a crash are far more likely than teens who have never had a near miss to report regularly ("often" or "very often") engaging in dangerous or distracted driving behaviors:

.  "We know from past Liberty Mutual/SADD research that teens are behind the wheel 44 percent more hours each week in the summer (23.6 hours) than during the rest of the year (16.4 hours), adding some urgency for parents and teens to sit down and review their family rules of the road."

According to the survey, teens don't necessarily share the concern.  The .

Change in Behavior?

Close calls cause the majority of teens who have had near misses (55 percent) to change their driving behaviors, albeit temporarily.  In fact, less than half of them (42 percent) say their renewed commitment to more responsible driving was short-lived (a month or less).  Improvements in driving habits most often were reported in the form of paying more attention to other drivers (44 percent); while only 26 percent of teens who have had a near miss say the incident caused them to text less and 13 percent say it led to less speeding.

Boston Car Insurance Quote | Massachusetts Car Insurance Rates

If you are smart about comparing rates with different companies the only thing you should sacrifice is the high premiums costs.

So what’s the best way to get cheap Boston auto insurance rates and where are these providers that offer you an affordable car insurance quote ?

They’re right at the top of this page and as soon as you submit your zip code you’ll see top car insurance providers that represent the companies that you recognize and trust and they will offer you low cost Massachusetts car insurance rates.

Go to the top of this page and enter your zip code and submit it to start the process that only takes a few minutes for the lowest Boston car insurance quote available anywhere in the state.

If you believe that most all car insurance providers within the Boston area basically offer you the same rates, here is a good reason why that could be costing you more money for your premiums than you need to pay.

How To Get A Low Boston Car Insurance Quote

Boston has fifty four separate zip codes starting from 02101 to 02297 and every one of those zip codes carries its own risk factor for each different insurance provider.

Auto insurers rate your premiums on how much risk they feel every zip code has which is determined by the number of accident and crime claims they have.

Some zip codes have high accident claims whereas others do not. However, if you live in a zip code with an excessive accident claim rate, the auto insurer passes that price on to you in the form of higher premiums even if you are a good driver with no accidents.

But just by checking what other companies charge, you may find a few top companies that might not have these high accident claims and are more likely to offer you a lower rate.

This is with the identical coverages and deductibles you currently have. It an easy way to get a lower Boston car insurance quote than what you have now.

You probably shop for lower gas prices these days. If one station is offering you gasoline for $3.79 a gallon and the station across the street is selling the same exact grade of gas at $3.96 a gallon, Which one will you buy gasoline at? Probably the one with lower costs, but in the case of car insurance, most people won’t take the time to shop rates and as a result they pay too much for auto insurance.

With everything costing more these days, if you find an easy way to save money, isn’t that worth a couple of minutes of your time?

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