Teen Driver’s Guide for Insurance Auto PDF Reference
Why buy car insurance? The law requires it. Without it, you pay, from your own pocket, for injuries and property damage that you cause to others. The odds are, you will need it. The National Highway Loss Data Institute says:
• The risk of an accident per mile driven among 16 to 19 year olds is four times the risk
of older drivers.
• Risk is highest at age 16, with the crash rate per mile driven almost three times as high as the risk among 18-19 year-olds.
• Car accidents are the number one cause of death among 16-19 year olds.
Tips for Saving Money on Auto Insurance PDF Guide Manual
Auto insurance is an important — and oftentimes, mandated — purchase for most Americans. The average annual auto insurance premium nationwide in 2000 was $687 per vehicle. Here are some tips from the Utah Insurance Department to help you get the best value for your auto insurance dollar.
1. Maintain a Good Driving Record Companies charge safe drivers (i.e., free of at-fault accidents or violations) lower rates for automobile insurance. Each company has different guidelines to determine what price an individual will be charged.
Consumer’s Guide to Auto Insurance For Accident PDF Manual
Why Should You Buy Auto Insurance? If you cause an auto accident, you may be responsible for the losses of the other people involved. A claim may be made or a lawsuit filed against you for those losses. You may have to pay not only for the property damage you cause, but also for the medical expenses, lost wages, and pain and suffering of any injured person. The amount of money you may have to pay could be substantial.