Teens riskier to insure due to nighttime driving and cell phone use

Driving at night has become more dangerous for teen drivers.There are a number of reasons why cheap insurance for young drivers is hard to come by.

Teens are considered risky to insure, and a recent study from the Texas Transportation Institute sheds some light on the reasons why. Nighttime driving has become increasingly dangerous for young drivers, primarily because they are using their cell phones to either talk or text while operating a motor vehicle.

There was a 10 percent increase in the number of fatal auto accidents for drivers 16 to 19 years old between 1999 and 2008, according to the study. For those 20 years of age and older, the increase was 8 percent. Accidents among older drivers are more frequently attributed to alcohol.

Bernie Fette, senior research specialist for the Texas Transportation Institute, said that "we have talked to a lot of kids who say, ‘look, it’s not that difficult. I can text in my pocket.’ But being comfortable with technology doesn’t add security when you use it in an environment where it creates danger.”

Texting while driving is a common form of distracted driving that causes car accidents.ADNFCR-3298-ID-19782483-ADNFCR

About John Pirro
John Pirro is a licensed fire and casualty insurance agent specializing in various aspects of the auto insurance industry. He worked in the auto body repair industry before taking a reporting position at Online Auto Insurance News.

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