Safe driving is everyone’s responsibility. Consider that over half of all motor vehicle accidents could be avoided if drivers make intelligent driving decisions. As new drivers, you are most at risk because you lack the experience (and sometimes the maturity) to make intelligent decisions at critical times. Strive to form good driving habits early, and they’ll last a (long) lifetime!

We want to help you think about things that you can do to make your driving as safe as possible. Consider the following:

Consider these sobering statistics on MASSACHUSETTS teen driving:

• Automobile accidents are the number one killer of our nation’s youth.
• Drivers under the age of 20 were involved in 13% of all accidents, yet they account for only 5% of all drivers.
• 5,000 teenagers die each year from auto accidents.
• Alcohol is responsible for almost half of all teen motor vehicle deaths.
• 25% of all teen accidents involve speeding.
• Half of all teenage traffic fatalities occur between 6:00 p.m. Friday and 3:00 a.m. Sunday.
• In one year, drivers 19 and under were involved in close to 3 million motor vehicle accidents.
• The price of a bad decision can include injury to yourself or others, loss of life, loss of life style or loss of personal freedom.

Ways to prevent MA AUTO accidents

While no one has full control over the circumstances surrounding a motor vehicle accident, there are things that can be done to reduce your chances of being the cause or being involved in one. Here are some smart decisions you can make while you’re behind the wheel:

• Drive defensively. If you assume that other drivers are not as skilled and thoughtful as you are, you will instinctively become more careful and cautious when on the road.
• Try not to speed. When you speed, you have less time to react, less time to make the right decision.
• Never drink and drive. Alcohol can seriously impair your decision-making skills and reaction time.
• Take the keys away from friends who have been drinking.
• Adults can set an example by practicing safe driving habits.

Ways to keep MA AUTO insurance premiums for teens as low as possible

A number of factors are taken into consideration when insurance companies set rates for automobile policies. Among those factors are the type of vehicle and the age, gender and driving record of the insured. Companies pay close attention to the number of accidents a driver has had and the traffic tickets (from speeding, running a stop sign, etc.) received. In their view, past performance serves as a meter for future behavior — therefore, these drivers pose a higher risk.

Source: Insurance Information Institute; www.iii.org

In Massachusetts the best way to save money on auto insurance is by driving safely, maintaining a clean driving record, and paying your auto insurance premiums.

Unfortunately, accidents do happen, which is why, ultimately, we all carry auto insurance.

Insurance companies utilize 20 Standards of Fault when determining fault in auto accident in Massachusetts.

They include:

• Collision with a lawfully or an unlawfully parked vehicle
• Rear end collision
• Out of lane collision
• Failure to signal
• Failure to proceed with due caution from a traffic control signal or sign
• Collision on wrong side of road
• Operating in the wrong direction
• Collision at an uncontrolled intersection
• Collision while in the process of backing up
• Collision while making a left turn or a U-turn across the travel path of a vehicle travelling in the same or opposite direction
• Leaving or exiting from a parked position, a parking lot, an alley or driveway
• Opened or opening vehicle door(s)
• Single-vehicle collision
• Failure to obey the rules and regulations for driving
• Unattended vehicle collision
• Collision while merging onto a highway or into a rotary
• Non-contact operator causing collision
• Failure to yield the right of way to emergency vehicles when required by law
• Collision at a “T” intersection (you entered from a side road)

For more information regarding Massachusetts automobile insurance, utilize our services at MassQuotes. You can also contact the Massachusetts Division of Insurance Consumer Hotline at 617-521-7777 ir visit their website at:  www.mass.gov/doi. For more information regarding your driving record, call the Massachusetts Merit Rating Board at 617-351-4400 or visit their website at www.mass.gov/mrb.