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Author Topic: Insurance study: Fewer teens insured in slow economy Back to Topics
PD

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Message Posted: Oct 30, 2013 2:24:17 PM

What was once a nearly universal rite of passage for teenagers --learning to drive and working (summers / after school) to help pay some of the cost of a vehicle, gasoline, and insurance-- has become a postponed step toward adulthood.

Fewer teens are driving and fewer have proper auto insurance. According to a new study from the Highway Loss Data Institute, when they looked at collision policies in households across 49 states and the District of Columbia, the number of teen drivers listed on those policies fell 12 percent between 2006 and 2012.

But at the same time, the size of the teenage population in the U.S. fell by only 3 percent.

When it comes to why fewer teens are getting insured, the Highway Loss...

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must87searcher
Champion Author Maryland

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Message Posted: May 4, 2014 7:22:52 AM

With this economy of today, there sure is no surprise that this would come into effect.
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MaxGasUp
Champion Author Maryland

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Message Posted: May 4, 2014 7:15:56 AM

OK.
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Becky_Gelke
Champion Author Cincinnati

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Message Posted: May 1, 2014 10:11:00 AM

Not a wise thing but everyone is getting squeezed.
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hwmillerster
Champion Author Missouri

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Message Posted: May 1, 2014 10:08:19 AM

Expensive gas, few jobs mean that a lot of people aren't driving anymore.
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Mluvbears
Champion Author Akron

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Message Posted: May 1, 2014 7:06:50 AM

Ok
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MImusicman
Champion Author Michigan

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Message Posted: May 1, 2014 6:37:23 AM

Too expensive and getting a job is difficult
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installer
Champion Author San Diego

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Message Posted: May 1, 2014 6:21:58 AM

Against the natural order of youth. Not driving? Impossible.
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sawdust1825
Champion Author Illinois

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Message Posted: May 1, 2014 5:44:35 AM

Make sure you have your un/under insured motorist coverage at a high enough level to take care of your losses.
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Gil43
Champion Author Florida

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Message Posted: May 1, 2014 4:37:40 AM

scarey
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jethro5000
Champion Author Kentucky

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Message Posted: May 1, 2014 12:39:15 AM

Just like the idiot that rear-ended me last week. His insurance has been canceled, and he gave the police an incorrect address!
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HawaiianGuy
Champion Author Idaho

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Message Posted: Apr 30, 2014 10:14:43 PM

No surprise there. Hell, their parents don't even have insurance for themselves. You think they'd spend to insure their kids? Not likely.
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greycat65
Sophomore Author Florida

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Message Posted: Mar 4, 2014 9:02:55 AM

Are they really NOT driving or are they just NOT insured? Otherwise we wouldn't need uninsured motorist coverage...right? Lots of uninsured out there.
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riggers711
Champion Author Washington

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Message Posted: Mar 1, 2014 3:41:50 AM

ScScary
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txrojo2005
Champion Author Austin

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Message Posted: Feb 25, 2014 8:12:15 PM

This is a function of a no-growth economy.
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lyanMI
Champion Author Detroit

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Message Posted: Feb 25, 2014 9:55:40 AM

Not good
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gasmask78
Champion Author Virginia

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Message Posted: Feb 23, 2014 12:25:47 AM

h
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gasmask78
Champion Author Virginia

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Message Posted: Feb 23, 2014 12:25:36 AM

o(
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gasmask78
Champion Author Virginia

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Message Posted: Feb 23, 2014 12:25:23 AM

grr
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gasmask78
Champion Author Virginia

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Message Posted: Feb 22, 2014 7:42:36 AM

this stinks
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scooby258_2000
Champion Author Indiana

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Message Posted: Feb 21, 2014 2:38:43 PM

make it cheaper to insure a teen, problem solved
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gasmask78
Champion Author Virginia

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Message Posted: Jan 5, 2014 1:58:13 AM

$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$. That's how expensive it is to insure teens.
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rosa403
Champion Author Indiana

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Message Posted: Jan 4, 2014 10:51:54 AM

so are the adults
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johnwinger
Champion Author Twin Cities

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Message Posted: Dec 27, 2013 7:53:54 AM

Mine are! OUCH!
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craigsfrank
Champion Author Arkansas

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Message Posted: Dec 25, 2013 10:00:41 PM

They don't have health insurance because they feel they don't need it as well!
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pilotmass
Champion Author Boston

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Message Posted: Dec 24, 2013 8:55:12 AM

Blame parents who do everything for their kids for loss of responsibility
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cv2012
Sophomore Author Oregon

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Message Posted: Nov 12, 2013 2:53:16 PM

SOME DAY THEY WILL GET OLDER THEY NEED TO LERN TO DRIVE SOME HOW
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pilotmass
Champion Author Boston

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Message Posted: Nov 12, 2013 9:56:25 AM

They are still driving
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PriceMiser94
Veteran Author Raleigh

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Message Posted: Nov 9, 2013 11:46:29 AM

back in my day, my insurance was almost as much as my rent
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honda0105
Champion Author Tallahassee

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Message Posted: Nov 8, 2013 5:47:51 AM

032: why do you bother posting if it's too old?
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032946
Champion Author Twin Cities

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Message Posted: Nov 7, 2013 9:51:40 AM

Old, Old, Old!
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jethro5000
Champion Author Kentucky

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Message Posted: Nov 7, 2013 6:47:46 AM

Old
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honda0105
Champion Author Tallahassee

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Message Posted: Nov 7, 2013 12:02:10 AM

teens in general are not driving as much.
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SkooterG
Champion Author Phoenix

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Message Posted: Nov 6, 2013 8:10:11 PM

12% drop in six years? Not an epidemic.
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ck2227
Rookie Author Salt Lake City

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Message Posted: Nov 6, 2013 3:49:15 PM

I don't mind them being uninsured as long as they aren't actually driving.
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lorimarie36
Champion Author New York

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Message Posted: Nov 6, 2013 11:35:47 AM

recession = safer roads for us all
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JMW1942
Champion Author Michigan

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Message Posted: Nov 6, 2013 10:59:21 AM

Been here.
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FusionCa
Champion Author San Diego

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Message Posted: Nov 6, 2013 10:54:27 AM

OK??
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Don20
Champion Author Oklahoma City

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Message Posted: Nov 6, 2013 10:51:17 AM

Old news article...
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Diesel_Ram
Champion Author Dallas

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Message Posted: Nov 6, 2013 10:46:05 AM

Yesterdays story
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Tommyguns45
Champion Author Illinois

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Message Posted: Nov 6, 2013 10:44:26 AM

When I see someone says OLD NEWS it might be to them but new to the rest of us, or they have been on here too long.
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gastechie
All-Star Author Massachusetts

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Message Posted: Nov 6, 2013 10:44:20 AM

Anything happens, parents' insurance should pay.
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032946
Champion Author Twin Cities

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Message Posted: Nov 6, 2013 10:43:12 AM

Old News!
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swede
Champion Author Cleveland

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Message Posted: Nov 6, 2013 10:41:23 AM

Their parents are the blame for that.
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Tommyguns45
Champion Author Illinois

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Message Posted: Nov 6, 2013 10:41:20 AM

Some parents are in a rush to get their kid a car etc. If the kid does not have insurance in their own name but using their parents ( which must be reported to their Insurance Company ) for higher rates. If the kid has an accident under the parents insurance you are liable for their actions and could lose your home in a law suit to pay damages they occurred. If a kid is taking drivers training it MUST be reported to your insurance company that will raise your rates. Even though you tell State Farm they would never drive your car they still will raise your rates long as they have a license and living under your roof.
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divebomber
Champion Author Nebraska

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Message Posted: Nov 6, 2013 10:41:11 AM

OLD NEWS!
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Lengas
Champion Author Gary

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Message Posted: Nov 6, 2013 10:41:10 AM

Gotta have insurance
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72_Monte
Champion Author Twin Cities

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Message Posted: Nov 6, 2013 10:40:23 AM


Money, money, money.
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99church
Champion Author Indiana

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Message Posted: Nov 6, 2013 10:39:53 AM

old news,
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suzyandbetsy
All-Star Author New York

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Message Posted: Nov 6, 2013 10:39:01 AM

old news
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5954smoore
Champion Author Pennsylvania

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Message Posted: Nov 6, 2013 10:37:19 AM

ok
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tomok
Champion Author Portland

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Message Posted: Nov 6, 2013 10:37:07 AM

Fewer teens insured in slow economy. Fewer teens? Many people cannot afford insurance, cannot buy a vehicle, cannot pay for fuel, cannot buy food, OR have a job in this slow economy – it's not just teens. Next, BarryAutoCare and you're fined if you don't buy it!
When HLDI looked at collision policies in households the number of teen drivers fell 12% between 2006 and 2012. HLDI (Highway Loss Data Institute) researchers found teen drivers by identifying “rated drivers” for each household’s policy. A “rated driver” in a household is the driver who has “the greatest loss potential” for an insured car, which the Institute said was “usually the teen driver.” ***When teens begin to pay for their own expenses, instead of your parents, driving is usually Not an option.
My vehicle has manual door locks, hand operated roll up windows, all around tinted windows, and wing windows in both front doors. It's Good to Go! No Natural Gas, Ethanol, or Electricity needed for this one....... the vehicle has been good since day one.
Drive vehicles with high MPG, are very safe, reliable, have a ‘reasonable’ cost and a good ‘value’ for the money.
The price of fuel at the pump is too high!
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