Ramsey Insurance Blog

According to the National Highway Traffic Safety Administration (NHTSA), motor vehicle crashes are the leading cause of death for teenagers in the U.S. The higher risk level surrounding younger drivers helps explain why West Virginia car insurance is more expensive for those under 20.

Research indicates teenagers are over-represented in road accidents, and that they have three times the risk of fatal crash involvement than all other age groups. There is no single reason for this but rather a number of driver behaviors contributing to crashes for younger drivers – these include immaturity and speed combined, inexperience, not using seat belts, distractions (such as cell-phones, passengers and loud music), driving while drowsy, night driving, and drug use.

To help combat this, the NHTSA has developed a program aimed at promoting healthier driving behaviors amongst teens including increased use of seat belts, graduated driver licensing and reducing teens’ access to alcohol. The program provides a number of tools and resources that can be found at their website.

Reducing the rate of crashes among our younger drivers is very important, and benefits the wider community as well as younger drivers. It should help to save lives, save money, and hopefully help reduce the cost of West Virginia car insurance premiums and expenses in the process.

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