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Ripley Car Insurance

Ripley car insurance is something we all need to consider when we get our license for the first time. If you are a teenage driver and have just received your license then you will need some level of Ripley car insurance. Taking the time to compare quotes and providers across Tennessee is an excellent way to get a better idea of what products are out there and how they will affect you. It is also the best way to get the cheapest premium on your Ripley automobile insurance.

Inexperience and Car Insurance

Does age really make a difference on the roads? Memphis car Insurance coverage companies seem to think so; however, what really matters is the factors behind the scene of the accident. Unfortunately, the statistics suggest that when it comes to age and car accidents, there are direct correlations between the two. This is bad news for new drivers as it means higher quotes until you have at least three years experience on the road or until you hit the age of 21.

Inexperience is a big cause of car accidents and this is why young drivers in the age categories of 15 to 20 account for over 11 percent of fatal car accidents[1]. With the graduating licensing and safe driving rules in place across TN, these numbers have decreased immensely but those under the age of 24 are still in the highest risk category of injury and fatality rate while on the road than any other age group out there.

Young drivers in Ripley experience rates that are often twice, if not three times as high as their parents due to this lack of experience and statistics suggesting they are in a high risk category. What this means is, while your parents may pay around $800 for their Ripley coverage, you are probably getting offered Tennessee vehicle coverage quotes well above $2000. This is something that will get better, but only with age and experience.

Why Insure Your Car

Keep in mind that inexperience on the road is not the only reason why there are so many accidents. Distracted driving is also a big one which includes talking, texting or fiddling with your iPod while driving, all of which are common behaviors in teenage drivers. Furthermore drinking and driving accounts for nearly one third of all accidents and this number of also higher in those between the ages of 21 and 24 than any other category as well.

Speeding, driving in poor weather conditions, drifting off the road and collisions are some of the many other reasons for car accidents in Ripley and across the state of Tennessee. Knowing what these dangers and hazards are can help you better prepare when the time comes for you to get your license, drive your car and insure your vehicle with Ripley vehicle insurance for the first time.

Keep in mind that there are ways to lower your Ripley car insurance rates. As mentioned above, comparing various providers across Memphis is a good way to get a better rate on your car insurance in Ripley. You can also look at taking a course on driving which are offered across Memphis and TN. What this can do is lower your inexperience and reduce your rates by around 5 to 10 percent, depending on what provider you are insuring under. This is also a great way to gain some confidence on the roads.

Choosing the cheapest Ripley auto insurance policy often means you will be insuring with only liability coverage. This is not recommended for any drivers in Ripley as you are not actually covered for any medical losses or losses to your own car if you do choose this level of insurance. A much better option is to pay the extra for comprehensive and collision Ripley car insurance but look for other discounts you might be eligible for such as a good student discount or a low mileage discount if you do not drive a lot in and around Ripley.

Insurance and Accidents

Many people have been in accidents before or know someone that has. Hopefully none of these accidents have resulted in a fatality or serious injury. Hopefully none of them have resulted in an insurance claim. However, in most instances, they will have resulted in at least one of the three. This is why it is so important to have adequate Ripley car insurance in place.

Take the time to compare providers and coverage limits, regardless of how old you are. Just because you are new to the road doesn't mean you are invisible. In fact, statistics suggest it is actually the complete opposite. You don't have to be a statistic - drive safe, be smart on the roads and insure with adequate Ripley car insurance, just in case.

http://www-nrd.nhtsa.dot.gov/Pubs/811400.pdf. 02/16/2012

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