Thursday, April 14, 2011

The Top Cars for Teens

For parents and teens, choosing a car for a first-time driver can be an anxiety-filled process. Teens want a sporty car they won't be embarrassed to drive to school. Parents want safety, safety, safety.

Cross a new car off the list because the chances of a new driver putting a dent in it, or worse, are roughly 1 in 4.

Late-model used cars offer a just-right combination of modest power and performance, top-notch crash scores, advanced safety features and decent reliability scores that safety experts say parents should seek in any car intended for a new driver.

To come up with the best rides for a teen driver, I crunched the numbers from several key sources of data and safety rankings: safety and crash-test information from the websites of the Insurance Institute for Highway Safety and the National Highway Traffic Safety Administration, and quality and reliability scores from Consumer Reports, the nonprofit product-analysis publisher. Among the vehicles best suited for teen drivers: the Honda Accord (24 points,) the Ford Fusion (22 points) and the Toyota Camry (22 points).

Recommended Cars for Teens

You won't see pickups, sports cars, or tiny subcompacts on the list. Pickups are too easy to roll. Sports cars tempt young drivers to drive too fast. Subcompacts don't put enough metal between your kid and obstacles they may hit, even though today's small cars are dramatically better engineered than the tiny hatchbacks baby boomers drove in the '70s and '80s.

For the first time, this year, the Insurance Institute says it can recommend certain sport utility vehicles as safe choices for young drivers. In the past, the institute's experts said the SUVs' propensity to roll over made them a risky option.

Newer SUVs and crossovers—wagons that ride on the chassis of cars—that are equipped with electronic stability control now have fatality rates as low or lower than most classes of cars, according to a new IIHS analysis of federal crash data.

"In the past, because [SUVs] are a bit top heavy, they could be twitchy in handling and it was easy to get out of control and roll them over," says the institute's president, Adrian Lund. The IIHS data now shows SUVs with stability control have 70% fewer single-vehicle rollover crashes than those without the technology, Mr. Lund says. SUVs also stand higher off the ground, he says, so more of the force hits the frame below the driver's seat in a side-on crash.

The Insurance Institute's website has vehicle ratings based on its crash tests. You can search by vehicle class. I looked for models that have "good" ratings for front and side impact tests. Then I turned to Consumer Reports and looked up reliability ratings for those cars. If one of my first picks had a below average reliability rating from Consumer Reports, it was out.

Finally, I threw in points for stars earned on the federal government's crash tests. The National Highway Traffic Safety Administration hands out up to 20 stars for a car's ability to protect the driver and front passenger in front and side-impact collisions.

Among the midsize cars that scored well are the Accord, the Fusion and the Camry. Your kid may grouse that these are three of the blandest cars on the road, but they are reliable, four-cylinder cars that aren't too big or too small, and are easily serviced. All these cars, at three or four years old, will cost between $15,000 and $19,000, depending on mileage, condition and model year. With Toyotas, be sure to take the Vehicle Identification Number to a dealer to check that all the recalls Toyota ordered were performed.

An older, second-hand luxury car is a good way to give a teen a vehicle with a full complement of safety technology. The trick is finding one that isn't too powerful. Among those that got through the filter: the sedate Lexus ES, an Audi A4 and a 2004-2008 Acura TL.

The Acura TL gets 24 points in my scoring system mainly because it has a top rating for reliability from Consumer Reports. A caveat with this car: The six-cylinder engine is rated at 258 horsepower—too much for a new driver. That's why four-cylinder versions of the Camry, Accord, Fusion and the Chevy Malibu are so appealing. Among those, the Accord scores highest because of superior reliability ratings and strong NHTSA crash-test scores.

Some of the crossover sport utilities that did well are the Acura MDX, Honda Pilot, Subaru Forester, and newer Honda CR-V or Toyota RAV 4 models with stability control.

Some vehicles didn't make my list because they aren't rated in one or more of the three rankings I used. The 2008-2010 BMW X3 crossover, for example, has good scores from the Insurance Institute, and a better than average reliability rating from Consumer Reports. But the NHTSA hasn't posted crash-test results. Odds are it would do well: Most BMW models get 19 out of 20 stars on the NHTSA front and side-impact crash-test ratings.

It's tempting to buy a teen a very cheap, older car or a small pickup. But old cars often don't have safety technology such as side air bags, or anti-lock brakes, that can greatly improve the odds of avoiding or surviving a crash. Pickups have rollover death rates that are more than twice as high as those for cars, according to federal data.

Teens may wind up driving family haulers like SUVs because it's the vehicle their parents have handy to lend. Keep in mind you don't want teens hauling lots of friends around or they'll be distracted and get in trouble. Some states now restrict how many passengers a teen driver may carry in the first year or two on the road.

David Champion, senior director of Consumer Reports' auto-testing division, says he would still steer young drivers away from large SUVs. "I'm not sure all-wheel drive necessarily is a good thing," he says.

In slick conditions, all-wheel drive can get a vehicle going faster than an inexperienced driver can handle, and when the kid hits the brakes, the vehicle will skid.

Write to Joseph B. White at joseph.white@wsj.com, reference this article.
For all your auto insurance needs in VA, MD and DC, please call NOVA Insurance Group at tel 703.263.7800.

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Monday, April 11, 2011

New Study Pinpoints What Happens Right Before Teens Crash

New Study Pinpoints What Happens Right Before Teens Crash

APRIL 11, 2011

PHILADELPHIA, April 11, 2011 /PRNewswire-USNewswire/ -- A recent study by The Children's Hospital of Philadelphia (CHOP) and State Farm Insurance Companies® hones in on the most common errors teen drivers make that lead to a serious crash. Teen drivers are involved in fatal crashes at four times the rate of adults. The findings were published in the journal Accident Analysis and Prevention.

Researchers analyzed a nationally-representative federal database of more than 800 crashes involving teen drivers and identified a few common "critical errors" that are often one of the last in a chain of events leading up to a crash. Seventy-five percent of these crashes were due a critical teen driver error, with three common errors accounting for nearly half of all serious crashes. Among crashes with a teen driver error:

•Twenty-one percent occurred due to lack of scanning that is needed to detect and respond to hazards.

•Twenty-one percent occurred due to going too fast for road conditions, (for example, driving too fast to respond to others, or to successfully navigate a curve).

•Twenty percent occurred due to being distracted by something inside or outside the vehicle.

The researchers note that environmental conditions, such as poor weather, vehicle malfunction, aggressive driving, or physical impairments such as drowsy driving were not primary factors in most crashes.

"This study helps dispel the myth that most teen crashes are due to aggressive driving or thrill-seeking," said Allison Curry, Ph.D., lead author and a researcher at CHOP's Center for Injury Research and Prevention(CIRP). "Promoting safe driving skills is as important as preventing problem behaviors."

By getting very specific about the types of teen driver errors that are most likely to precede a crash, this study makes it possible to target policies, programs, driver education and other strategies to reduce those critical errors and prevent crashes from happening.

"Laws and policies that address distractions by limiting the number of peer passengers and prohibiting cell phone use among novice drivers will help reduce crash rates, but will only address part of the problem," says study co-author Dennis Durbin, MD, MSCE, who co-directs CIRP. "Many crashes will still occur due to the inability of teen drivers to detect and respond to a hazard in time. Formal teen driver training and parent-teen practice drives should focus on building scanning and hazard awareness skills."

Scanning involves observing the surroundings far ahead of the vehicle and side-to-side, not just immediately in front of the hood. It is a higher-level skill that experienced drivers develop over time. The study authors note that developing effective ways to teach this skill sooner in the learning-to-drive process could reduce teen crash risk. Pilot tests of this type of training have shown promise in increasing hazard detection and response skills among novice drivers.

"This research gets us one step closer to understanding why teens crash and what we can do to help prevent future crashes," says Cindy Garretson, Director of Auto Technology Research at State Farm. "Strong graduated driver licensing laws, along with educational programs that are focused on common teen driver errors, will help keep our roads safer for everyone."

For more information about the study, visit www.TeenDriverSource.org.

For all your insurance needs in VA, Md and DC, please contact NOVA Insurance Group at Tel. 703-263-7800.

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Thursday, April 7, 2011

Know The Four Steps To Keep Safe If Your Car Breaks Down

Know The Four Steps To Keep Safe If Your Car Breaks Down

Thursday, April 7, 2011



BRIDGEWATER–April is National Car Care Month and Allstate New Jersey Insurance Company offers advice if your car breaks down or you’re involved in an accident.

“If you are ever in an accident or your vehicle breaks down, remember your safety is your priority,” said Danny Jovic, Allstate New Jersey Insurance Company spokesperson.

The Insurance Information Institute recommends the following precautions when your car breaks down or you experience an accident:

Never get out of the vehicle to make a repair or examine the damage on a busy highway. Get the vehicle to a safe place before getting out. If you have been involved in an accident, motion the other driver to pull up to a safe spot ahead.

If you cannot drive the vehicle, it may be safer to stay in the vehicle and wait for help or use a cell phone to summon help. Under most circumstances standing outside the vehicle in the flow of traffic is a bad idea.

Carry flares or triangles to use to mark your location once you get to the side of the road. Marking your vehicle’s location to give other drivers advance warning can be critical. Remember to put on your hazard lights!

In the case of a blowout or a flat tire, move the vehicle to a safer place before attempting a repair—even if it means destroying the wheel getting there. The cost of a tire, rim or wheel is minor compared to endangering your safety.

Jovic says, “National Car Care Month is a good time to make sure your auto insurance policy is up to date with the most current and best features.”

Call NOVA Insurance Group (Chantilly / South Riding, VA) at tel: 703.263.7800 for all your Auto, property, Life and Business Insurance needs.

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