Should Teenagers Be Charged Higher Rates For Car Insurance? Essay

“The risk of motor vehicle crashes is higher among 16 to 19 year olds than among any other age group.” (Teen Drivers: Fact Sheet 1) “The presence of teen passengers increases the crash risk of unsupervised teen drivers. The risk increases with the number of teen passengers.” (Teen Drivers: Fact Sheet 1) In the United States motor vehicle accidents are the number one cause death in teens. “In 2010, seven teens ages 16 to 19 died every day from motor vehicle injuries.” (Teen Drivers: Fact Sheet 2) This alarming number of casualties could be prevented by educating our teenage drivers prior to them being on their own and operating a couple ton weighing

Putting teens on the road at a young age as low as 15-16-years-old allows them to gain experience that will help them become more accustomed to the road when they get their driving licences at 18. As stated in the article, Teenage Driving Laws May Just Delay Deadly Crashes, it says “Many teenagers, rather than deal with the extra restrictions for 16-17 -year-olds, are simply waiting until they turn 18, and skipping the restrictions altogether. As a result, a greater proportion of inexperienced drivers hit the road” (40). This proves that teens who do not drive at 16 are more likely to get into car crashes, because they wait til 18 to avoid being restricted like the 16- 17- year-olds. Teens who skip the 16 -17-year-old restrictions are just starving themselves from gaining the early knowledge on driving that is needed to prevent fatal crashes. The same article also says that, “There have been 1,348 fewer deadly crashes involving 16-year-old

All 50 states prohibit 16-year-olds from drinking alcohol, buying cigarettes, and purchasing handguns. Yet somehow, most states are willing to put them in charge of a car. Teens don’t realize how dangerous driving can be; they believe nothing could ever happen to them. In reality, facts show that driving is the number one killer of teens. At 16 or 17, you may feel invincible, but with a lack of driving experience and distractions such as cell phones, music, food, and even friends, driving can be a dangerous activity. The problem is that teens don’t see certain actions as a life threatening risk. In a recent study, only 28 percent said using a cell phone is a risk while driving, ten percent said the same about having other teens in the car,

During high school, I always wanted to buy my own car. I began to research how to go about purchasing a car as a teen. I noticed that it's difficult for teens to get car insurance on their own. I began to wonder why it's so expensive for teens. Car insurance is now my biggest problem with buying a car.

In 2013, more than 2,500 teenagers died in the United States from motor vehicle crash injuries. Such injuries are by far the leading public health problem for young people 13-19 years old (Insurance Institute for Highway Safety [IIHS], 2014). Drivers are not the only ones at risk. Teenagers who are passengers in others vehicles make up a startling 87% of the fatality statistic. Lack of driving experience, disregard for traffic laws, and quick access to full driving privileges contribute to teen death. To reduce teen driving fatalities, successful completion of driver education classes provided by public and private schools should be mandatory for all teenagers prior to receiving their driving permit.

The big question about this article is Should the drinking age be raised? well in the article should the drinking age be raised has come to a big issue here now that they are letting teens drive and taking a risk in how they can take it. The driving age now is at 18 because once you're 18 you're mature enough and a young adult. Yet many teens can get their permit temporarily and drive with that until they get their own real license.

Teenage drivers are more likely to get into an accident than someone who is in there 30’s. This is mostly because of maturity in the brain. Scientist have proven “that critical parts of the brain involved in decision-making are not fully developed until years later at age 25 or so.” Teen drivers do not think about what could happen, or the lives they might have in

Evidence from the personal experience of teenagers is used (“…young drivers, only half said they had seen a peer drive after drinking…nearly all, however, said they had witnessed speeding…”); collective evidence (“It’s become a sad rite of passage in many American communities”); statistics (“The National Highway Traffic Safety Administration has found that neophyte drivers of 17 have about a third as many accidents as their counterparts only a year younger”) and (“Between July 2004 and November 2006, only 12 provisional drivers were tickets for carrying too many passengers”). The author also used common mores on teen safety; (“…parents will tell you that raising the driving age is untenable, that kids need their freedom…perhaps the only ones who won’t make a fuss are those parents who have accepted diplomas at graduation because their children were no longer alive to do

Shari Roan in “Should the driving age be raised” talks about the controversial issue all American families face when it comes to teens driving and the safety of others. She states that in a nationwide analysis the number of fatal crashes between the ages 16 and 17 year old drivers have fallen and the number of fatal crashes between the ages of 18 and 19 year old drivers have risen by almost the same amount. She states that the combination of immaturity and inexperience makes teen drivers particularly vulnerable to motor vehicle accidents. She also explains that car crashes are the leading cause of death among teens resulting in 4,054 fatalities in 2008 according to the Insurance Institute for Highway Safety in Arlington Va.

Motor vehicles accidents are the leading cause of death and injury in the United States and is also the leading cause of death for children and young adults ages 4 through 35 (Beck, 2009, p. 312). In 2014, 209 children ranging in ages 0 to 14 years of age died in car accidents due to people driving while impaired (Impaired, 2014). Of those accidents, 116 children were driving in the same car with the impaired driver (Impaired, 2014). Since 2001, alcohol related fatalities have only gone down slightly, compared to motor vehicle accidence in general, which have gone down tremendously over the years (Chambers, 2011).

In the United States, Reckless driving is the number one cause of teenage death in the nation. Reckless driving can be classified as anything from speeding and swerving, to purposely trying to run someone over, or hurt them while driving. In America, there are countless organizations calling to help end the high death rate in teenagers that reckless driving takes. People such as Parents, Drivers Education Instructors and even state legislators have realized the problem and are seeking reform. In 2011 alone 2,650 teens between the ages of 16-19 were killed due to reckless driving. (CDC) Reckless driving is a death that is very preventable, with proper education and warning. As well as problem that is not taken seriously by the juvenile’s committing the act. Most juveniles don’t worry what so ever about dying in a car crash because they think that it won’t happen to them. Under Reckless Driving, in Green Bay, speeding, not paying attention and lack of caring are three of the biggest issues with teen drivers and juveniles.

(2011) investigated the psychosocial factors involved with risky driving patterns associated with adolescent novice drivers. Simons-Morton et al. (2011) installed computerized recording systems in the vehicles of newly licensed adolescent drivers that measured their driving patterns, and the traits of their passengers. The results indicated that accidents and near accidents were significantly lower when in the presence of responsible adult passengers, and significantly higher when in the presence of fellow adolescent passengers (Simons-Morton et al., 2011). In addition, the results indicated that adolescent risky driving was significantly lower when in the presence of responsible adult passengers than when in the presence of fellow adolescent passengers (Simons-Morton et al., 2011). Lastly, Simmons-Mortons et al. (2011) found that overall risky driving was highest when newly licensed adolescents had risky friends as passengers. With the use of confederates and a driving simulator, a similar study by Quimet et al. (2013) proposed that adolescent drivers would participate in more risky driving patterns when in the presence of pro-risk-taking passengers than when in the presence of non-risk-taking passengers. However, the results were mixed in that safe and unsafe driving characteristics were found in all conditions and no significant difference was found between the driving patterns of adolescents, regardless of the traits of the confederate passenger (Quimet et al., 2013). A common limitation related to both of these studies is that the sample size was quite small only possessing about 40 participants. This may make the findings difficult to generalize to the population. Another limitation that may make the findings difficult to generalize to the population was found in the latter study with Quimet et al. (2013) in which the researchers only utilized male volunteers. Also, the use of only one passenger in both of these studies may

Teen drivers have the mentality were they are untouchable when behind the wheel. But it’s obviously to much to handle for them because when it comes to the facts to many teens die a year. In 2007, 4,200 teens in the U.S aged from 15-17 were killed and 400,000 were treated in the E.R for injuries because of car accidents (“Motor vehicle safety, Teen Drivers, page 1”). This just shows how irresponsible teens are while driving. In a national survey 12.5% of all high school students rarely wear seatbelts, this just asking too get hurt in case an accident happens (“Motor vehicle safety, Teen Drivers, page 1”). This just shows how teens have a bad mentality while driving. In 2005, 54% of teen deaths occurred between 3 p.m. and midnight on a Friday, Saturday, or Sunday. This statistic shows that one more reason why a teen would want there license is to get to a party or go

This shows that teens do not take driving seriously and also do not realize what can happen to them if they continue with bad driving habits. In fact, insurance rates are high enough as it is for teens now. If they get into a car accident, the insurance rates will sky rocket, their parents may have a hard time being able to afford the insurance. Traffic crashes are the leading cause of fatalities for teens. As stated in a magazine, “Drivers ages 16 to 19 are four times more than likely than older drivers to crash” (Brophy). This quote shows that teen drivers are involved in more traffic accidents then older drivers. It has much to do with the young drivers not being safe and making horrible choices while they are driving or in the car with another person. If teens engage in the driving education course, they will definitely become more knowledgeable about all the safe ways to drive when their parents do not have to ride with them anymore. Teen drivers are involved in many car accidents due to unsafe driving habits. A course on safe driving will give the young driver behind the wheel more experience.

Traffic crashes are the leading cause of death for teens and young adults. More than 5,000 young people die every year in car crashes and thousands more are injured. Drivers who are 16 years old are more than 20 times as likely to have a crash, as are other drivers. There are two main reasons why teens are at a higher for being in a car crash and lack of driving experience and their tendency to take risks while driving. Teens drive faster and do not control the car as well as more experienced drivers. Their judgment in traffic is often insufficient to avoid a crash. In addition, teens do most of their driving at night, which can be even more difficult. Standard driver's education classes include 30 hours of classroom teaching and 6 hours of behind-the-wheel training. This is not enough time to fully train a new driver. Teen drivers are more like to be influence by peers and other stresses and distractions. This can lead to reckless driving behaviors such as speeding, driving under the influence of drugs and alcohol, and not wearing safety belts. There is no safe amount that you can drink and still drive. Even one drink can influence your driving offences. “Nowadays, drunk driving has become driving while intoxicated, driving while impaired, driving while under the influence, operating while under the influence (impaired, intoxicated, or whatever), and in many