com Offers Simple Back-to-School Car Shopping Tips

COSTA MESA, Calif. Next up, determine whether you -- or your parents -- will be
absorbing all or some of the costs and, if applicable, exactly what costs
you'll ultimately be responsible for.D.
While the population-based ratio of fatal crash involvements declined, the
2003 rate based on the number of licensed drivers didn't change compared with
the 1993 rate. Teenagers are more likely than older drivers to
be in crashes involving driver error and speeding.

An important part of every teenager's life is the experience of learning how to drive.

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A.com , is the most
comprehensive vehicle information resource on the Internet today.

Fewer 16-Year-Olds Are Getting Involved in Crashes

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"First things first," said Mark Perleberg, lead auto expert ,
NADAguides. "There are plenty of new cars available with
attractive rebates and incentives that make buying a new car more affordable,
as well as a variety of good quality used cars -- such as certified pre-owned
-- that come backed by a manufacturer or dealer warranty.com and AutoTrader. If parents and teens are interested in researching
additional highway safety information, Perleberg suggests they log onto the
National Highway Traffic Safety Administration (NHTSA) website at
http: //www. This is the main finding of
a new Insurance Institute for Highway Safety study.
The overall number of 16-year-old drivers in fatal crashes decreased from
1,084 in 1993 to 938 in 2003 , while during the same period there was an 18
percent increase in the 16-year-old population.

In this category you will find helpful sites related to teen drivers and new drivers alike.

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"This will happen if more states implement
stronger restrictions on night driving and on passengers in cars with
beginning drivers."
An important finding of the new Institute study is that restrictions on 16
year-olds did not simply shift the crash risk to older teens.org

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This is especially needed because the laws in many states still aren't
strong.

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Got credit?
If you don't have cash to pay for the vehicle outright, you'll need to
apply for a loan from a lending agency (such as a bank or credit union) that
will ultimately require a credit history. Throughout its 72 -year
history, N.
One of the most dangerous scenarios is when a teenage driver transports
other teens and, on a per capita basis, this kind of crash declined 39 percent
during 1993-2003.

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It's a look at the
status of 16 year-olds in states both with and without graduated licensing.

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"

Safety first.com
N.A. Seventy-three 16-year-old drivers per 100,000 license holders
were in fatal crashes in 1993. This compares with 74 per 100,000 in 2003.
"In time we do expect to see a drop in the fatal crash rates per licensed
16-year-old driver," Ferguson says.
"The laws empower parents to set down their own rules of the road and enforce
them.

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A Car Buying Lesson for Parents and Teens

NADAguides. If you're a teenager buying your first car or if you're a parent
who's in the market to buy a vehicle for that young driver in your family, the
experts at NADAguides." Additionally, Perleberg says parents should teach their kids to
be responsible for certain costs associated with owning a car, including
paying for insurance or gas whenever possible . "Remember if you
get a co-signer, they will ultimately be responsible for the loan should you
fail to make the monthly payments."
Teenagers have the highest crash risk of any age group -- about four times
higher than for older drivers.

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" Perleberg also reminds parents and
teens to take into consideration associated expenses involved with owning a
car including insurance, gas and repair costs and to be sure to factor those
estimated expenses into their overall budget.
According to Perleberg, today's automotive marketplace offers many choices
for parents and teens.NADAguides . At the very least, Perleberg
suggests parents encourage their teens to keep up their grades to maintain
driving privileges -- a great way to motivate kids to be more responsible. If you're like most teenagers, you
probably don't have a credit history -- or if you do have a credit history, it
may not be ideal enough to qualify for a car loan.

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Do your homework. Believe it or not , you
can have the best of both worlds in today's market."

Teach Responsibility.com), offers a variety of new and used vehicle
services in addition to valuation information.

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dot.A.

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, It's that time of year again --
the time when young adults and their parents prepare for another busy school
season. "It's an age old
dilemma," said Perleberg. Big Decline in Crash Rates of Beginning Drivers Over a Decade

ARLINGTON, Va. A number of states don't have these policies, and states
that do often allow one or more passengers or apply the restrictions during
short time periods .

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In the meantime, studies in
several states that have looked at all police-reported crashes, not just fatal
ones, have found significant declines per licensed driver."

Licensing of 16-year-old drivers and fatal
crash rates involving 16-year-old drivers

Percentage of Fatal crashes
16 -year-olds per 100,000
licensed population
1993 42 31
1994 42 32
1995 43 35
1996 41 33
1997 43 31
1998 43 29
1999 37 29
2000 37 26
2001 34 24
2002 32 27
2003 31 23

Estimated crash reductions in selected
jurisdictions with graduated licensing

Crash
reduction
British Columbia 16%
California 0-28%
Florida 9%
Michigan 29%
North Carolina 23%
Nova Scotia 23-37%
Ohio 23%

Note
The percentage reductions shown for California are based on three
studies, two of which found crash reductions of 17 and 28 percent.

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"It's important to determine how much you can afford to spend
for a vehicle. Appraisal Guides has earned the reputation as the recognized
authority for vehicle valuations.
"This isn't a study of graduated licensing per se. They don't all have three stages of a true graduated system , and some
laws that do have the stages still don't restrict driving at night or with
other teens .

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At NADAguides. Perleberg says parents and
teens should take some initiative ahead of time to establish a credit track
record. This will demonstrate to a prospective lender that
your teen has a solid payment history. Appraisal Guides (NADAguides.

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Determine your budget. "My
advice to parents is to involve your child with every facet of the car buying
process, including shopping, negotiating , securing financing and obtaining
insurance., The fatal crash rate for 16-year-
old drivers declined sharply after states began enacting graduated licensing
laws in the 1990s. These restrictions are expected to have the strongest
influence on fatal crashes per licensed driver.

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"When a young driver gets behind
the wheel of a vehicle, it's a very big deal," said Perleberg. "Driving a
motor vehicle is a huge responsibility and driver safety needs to be a top
priority.com (http://www.

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Once parents and young drivers have done their homework, Perleberg
suggests they sit down and make a list of their favorite vehicle choices and
then compare those lists to narrow down their selections.

For more information go to http://www.

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com), where they can research a wealth of information,
including new and used makes and models, safety ratings, car reviews, vehicle
specification data (including fuel efficiency, engine and drivetrain specs)
price, options packages and dealer inventory.com, shoppers can
simultaneously compare up to four different new or used vehicles side -by-side,
for model years dating all the way back to 1998.

Pick the right ride.
"Buying a car is an important financial lesson," said Perleberg.nhtsa."
"Today, parents and young drivers have a wealth of resources at their
fingertips, including a variety of information available online," said
Perleberg, "and these tips are a great starting point to buying -- and
ultimately owning -- a car."

About NADAguides. Crash rates
dropped 11 percent for 17-year-olds and 6 percent for 18-19-year-olds. Key elements of
the intermediate stage include limits on unsupervised driving at night and
transporting teenage passengers.

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com. "Think about obtaining a gas card, a credit card with a minimum
credit limit or a debit/credit card in your child's name about a year before
purchasing a vehicle," said Perleberg, "and be sure to pay the balance in full
every month if applicable.D. Fatal crash involvements based on the population of 16-
year-old drivers fell 26 percent during 1993-2003. "The key to the effectiveness of graduated licensing is that it
phases in a driver 's license over time, keeping teens in the learner phase
longer and delaying a full-privilege license until beginners are older, more
mature, and more experienced. Meanwhile, most other characteristics of 16-year-olds'
crashes stayed the same over time.
A full graduated licensing law has three stages.

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" Perleberg suggests
parents and teens alike log onto websites like NADAguides." If time -- and credit -- is not on
your side, Perleberg suggests getting a co-signer for the loan, such as a
parent or guardian who has an established credit history.
Perleberg urges parents to talk with their teenagers about driver safety
whenever possible.gov where they can learn about a variety of helpful driving
tips, as well as crash statistics and vehicle rollover information. Certification by parents that a learner has
driven a minimum number of supervised hours also is important.

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com offer the following tips to help simplify the car
shopping process.com, one of the largest and
most well known used car websites on the Internet today. "Parents want cars that are affordable, reliable
and safe, and young drivers want cars that look cool. The company's consumer website,
NADAguides .NADAguides.

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com
(http://www. Once they have
their top picks, Perleberg suggests looking at the vehicles that are available
in their area -- at dealer lots, in newspaper classifieds, and online at
websites such as NADAguides. Whenever
possible, Perleberg suggests parents incorporate a curfew into their teens'
driving schedule, since a large percentage of teen traffic deaths occur
between the hours of 9:00 PM and 6:00 AM. With all the information that's available,
back-to-school car buying can be an easy and enjoyable process -- for parents
and teens alike.
Still, this study does reveal some very positive effects of the new licensing
systems.
"The riskiest time for teens is when they first start driving," Ferguson
points out.
"Parents are key to the success of graduated licensing," Ferguson adds.

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A.com) is the world's largest
publisher of vehicle valuations and specification information for new and used
cars, trucks, vans, and SUVs, as well as van conversions , limousines, classic
and collectible cars, boats, RVs, motorcycles, snowmobiles, personal
watercraft and manufactured housing. Its website, NADAguides. The main reason for the decline in the crash rate is that fewer
beginning drivers are getting their licenses when they turn 16," says Susan
Ferguson , Institute senior vice president for research. Beginners must remain in
each of the first two stages for minimum time periods: supervised learner's
period; intermediate license (after the driver's test is passed) limiting
unsupervised driving in high-risk situations; and then a license with full
privileges available after completing the first two stages.