Almost everyone knows that teenagers pay more for auto insurance coverage than any other age group. While that’s no surprise, it might be alarming that these young motorists are causing rates to go up for all drivers.
This might not seem fair, but the insurance industry has to react to increase claim costs, from you guessed it, young distracted drivers.
These days it’s a miracle to actually see a teen and make eye contact with them. Most youngsters under 20 are glued to their phones in sheer manic obsession.
Somehow, they manage to navigate to their automobiles without injuring themselves, but the addiction to their devices doesn’t stop just because they get behind the wheel of a 3,000-pound vehicle.
No, teenagers are violating the law by the millions and driving while texting and even while posting on social media.
Accidents related to text messaging are on the rise
Despite how many laws are passed trying to eliminate distracted, cellphone driving, teens keep ignoring them. One such activity behind the wheel, texting, is on the rise. As you might suspect, so are serious, often deadly accidents.
Even at freeway speeds of 80 MPH or more, teenagers feel the impulsive need to respond to text messages from peers, rather than wait tell they are safely parked.
This has led to a big increase in vehicular teen deaths. In fact, according to RodneyDYoung.net, a leading auto insurance comparison site, vehicle accidents are the leading cause of teenage deaths.
Despite these grave stats, teens just think it will never happen to them, until it’s too late. Car insurance companies have had no choice but to raise rates for all motorists.
Nationally, the average auto insurance policy went up almost 7 percent in 2018 alone. The majority of these annual rate hikes can be contributed to more distracted related driving offenses committed by teenagers.
Everyone needs to stop using their cellphones while driving
The best way to get rates lowered is for everyone to stop the madness and put down their cellphones behind the wheel. This will reduce accidents and then insurance rates will start to go down for everyone. Teenagers must understand that their addictive behavior is hurting everyone.
They need to put down those cellphones every time they drive. This simple act will save lives and lower the cost of insurance for all drivers.