Is Connecticut Car Insurance Quote Cheaper For Teens Or Seniors?
People who have been driving for a while have all been cursing at both teen drivers and senior drivers over the years. As these two groups seem to be equally bad drivers to most of us it would seem logically that Connecticut car insurance quote insurance rates would be high for both groups but is this fair?
When you were young and had to get Connecticut car insurance quote or you’re trying to insure your teenager it hardly seems fair to get these high insurance rates when they haven’t had the change to show how well they can actually drive.
When you see seniors driving slowly or too focused you start to wonder if teens should be the only ones who get this bad rep. But who is actually the worst driver? Insurance companies have the answer:
SENIORS VS TEENS: WHO’S THE WORST DRIVER?
All of us are born helpless babies, march onward through competency, and then run towards an age of diminished capacity.
And whilst some people speak ill of the “white-haired” drivers who seem to be in mere oblivion, truth is we have little to complain about them. Numbers tell us it’s the beauty of youth we have to fear.
Teens, especially the boys, are full of confidence in skills they think they have. They lack in judgment, because they have not yet learned what they need to learn. Teens are the ones we have to look out for.
Less than one percent of people over 65 die as a result of car crashes. On the other hand, this kind of accident is the major cause of death for kids 15 to 20 years old. Males in this group die two times more than the females.
The young and lead-footed are really frightening. Their risk of crash per mile is 4 times higher than that of people in older age groups. According to the Insurance Institute for Highway Safety, teenage drivers represent a major hazard. Although young drivers make only 6 percent of the total licensed driving population, about 13 percent of all drivers involved in fatal crashes, in the year 2007, were 15 to 20 years old.
Out there on the road, age and experience do matter. And while older drivers do have problems that can affect their ability to drive as they once did, studies show they’re fully aware of their limitations, and that they restrict their driving as their abilities diminish. As a result, car accidents involving senior drivers are generally not serious. The spike in per mile fatality with older drivers is due to the fact that a 65 years old driver is twice as likely to die from the same accident as a 55 years old driver. And a driver 75 or more years old has four times the risk.
For older drivers, taking a Mature Driver Improvement Course is the first step to ensure they’re aware of all existing practices for defensive driving. Many companies offer insurance discounts to those who graduate in these courses. Also, be sure a responsible adult is monitoring an older driver’s physical abilities.
For younger drivers, some governs are adopting graduated licensing systems, which give increasing privileges to the driver as he matures. Taking a Defensive Driving Course can also ensure teens and young adults will know of the safe driving practices.
If you have kids, take the time to help them become smart, safe drivers. Teach them these important safety tips:
* Stay under the speed limit;
* Wear seatbelts all the time;
* Limit your distractions;
* Don’t drink and drive;
* Speed thrills but kills.
Giving a lesson to your younger generation will help them in their upcoming life. Follow the speed limits and your children will follow you, if you are not following the rules then no use to teach to your children.