Report: Ala. Has High Fatal-Crash Rate for a High-Risk Auto Insurance Group
10/27/2010

The state's fatal-crash rate for 16- and 17-year-old drivers was among the highest for 2004-2008, although the total number of such incidents is falling.

Online PR News – 27-October-2010 – – According to a recently released government report on fatal crashes, Alabama, over a five-year period, saw one of the highest fatal-crash rates in the nation for a high-risk auto insurance group — 16- and 17-year-old drivers.

Insurers require motorists in this demographic to pay higher-than-average Alabama car insurance premiums, as do most coverage providers all over the country. That’s because teenage drivers’ impulsiveness and lack of experience have been shown to result in crash rates per mile driven that exceed those of other age groups by 400 percent. But data included in the most recent Morbidity and Mortality Weekly Report from the Centers for Disease Control and Prevention (CDC) show even more startling numbers.

According to the report, the 2004-to-2008 fatal-crash-involvement rate for 16- to 17-year-old Alabamans was the second highest of any state in the country. The data showed that Alabama had, for the five-year period, nearly 50 fatal crashes involving 16- or 17-year-old drivers per 100,000 members of that demographic; that’s a rate of nearly one in 2,000.

Source: http://www.cdc.gov/mmwr/preview/mmwrhtml/mm5941a2.htm?s_cid=mm5941a2_w

The good news, though, is that the state's total number of fatal crashes involving 16- or 17-year-old drivers fell at a rate greater than the national average. Whereas there had been 80 such incidents in the state in 2004, in 2008 there were only 45. That represents a decline of 44 percent. In an editorial note accompanying the report, the CDC pointed to graduated licensing systems as one catalyst for the overall decline. Alabama is among the states that have implemented such a system.

In light of this data, younger drivers and their parents may want to strictly adhere to the standards set by graduated licensing systems, as well as participate in safe-driver courses that could not only help save on insurance but also help give the extra bit of experience that beginning drivers need.

To learn more about Ala. auto insurance issues and to easily shop for a cheap policy, readers can go to http://www.onlineautoinsurance.com/alabama/ where visitors will find informative articles and a free quote-comparison generator.

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