29.7.08

How to Make Young Drivers Drive Safely

Car Insurance company Liberty Mutual reports that more teens get their learners permits in summer than in any other season of the year. Of 16-18 year old drivers, 35% get their learners permit in summer and 33% of young drivers get their learners permit.

So Your Teen is a Young Driver. Now What?



For many young drivers, getting their drivers license is a rite of passage. It offers them new freedom and responsibility. For many young drivers, it is a time to finally start feeling like they have reached adulthood. Becoming a teen driver is exciting for parents and teenagers alike. However, teen drivers lack the experience and maturity of adult drivers, and it important that your teen driver understands the risks and responsibilities associated with driving.

The National Highway Traffic Safety Administration (NHTSA) has reported that in 2006 teen fatalities from motor vehicle crashes went up over 500 in July, as compared to just about 400 fatalities in the winter months. It may seem common sense, but especially with the independent and even rebellious nature of teenagers it is imperative for parents to stress the importance of safe driving practices, such as obeying the speed limit, wearing seat belts, and most of all, learning to minimize distractions.

Inexperience of Young Drivers



Even experienced drivers are prone to accident when they take their eyes and minds off the road, but young drivers are significantly more likely to cause, or be in an accident. I remember learning to drive, and I could not look to my right or left without the car swerving that direction as well. After years of practice, I can now turn my head without my body, and thus the car, following suit. It's a skill learned through extensive practice, but you can bet that your young driver has not mastered this skill.

Checking out the babe in the passenger seat could be deadly. We've all heard of looks that kill, but this is no laughing matter. Your young driver should know to never talk on the cell phone while driving, never allow passengers to be loud and rowdy, and for the love of Pete, no text messaging while driving.

Hopefully it goes without saying, but I will say it anyway. Make certain that your teen driver knows not to ever ever ever operate a motor vehicle while under the influence of any drug/alcohol.

Talk to Your Young Driver



When your teen gets their license, you need to be vigilant. Don't just throw them the keys and say be back by midnight. There need to be clear expectations that safe driving practices will be enforced, and there need to be serious consequences for a failure to observe safe driving practices. Teens may be rebellious, but if the proper steps are taken, they will behave responsibly if they know what's expected, and what consequences they may face.

If your teen is a new driver, sit down and discuss these issues with them. You will find that your teen driver is a safer, and more responsible driver as a result.
Related
How to Find Car Insurance for Young Drivers.

14.7.08

How to Find Car Insurance for Young Drivers

What do you do when your teenager becomes a teen driver?



This can be a cause for endless worry for any parent. Young drivers are significantly more prone to accidents than more experienced drivers. This is partially due to inexperience, but is also related to the lack of maturity, rebelliousness, and thrill seeking that teens exhibit. Certainly these are reasons for any parent to feel at least a little bit nervous.

Adding to the list of concerns is finding the right car insurance for young drivers. You need to make sure that your teenager is insured, and you also want to get the lowest rates possible. Here are a few tips that will help you find the right car insurance for young drivers, and a little peace of mind.

Keep your teen driver on your own insurance policy



Car insurance for teenagers will usually will have a lower rate by adding your teenager to your own policy than it will have by getting a separate, new policy. You will also be able to get a multi-policy discount by using this method. One thing to look out for is which car you have your teenager listed as a driver It's typical for car insurance companies to list your teen driver as the driver of the most expensive car. This puts the most expensive driver to insure in the most expensive car to insure. Pow! Double whammy.

Assign your teenager to the least expensive car



Make certain that he or she is actually driving this car and this car only. If your teenager is in an accident in the car they are not assigned as driver, you could pay stiff penalties, and see some big premium increases. Plus, it's practical. You really shouldn't want your teenager driving your most expensive car.

Buy some additional liability insurance



As mentioned before, teen drivers are not as competent at driving as adults. You want to be absolutely certain that you have enough liability coverage to cover the damages if your teen is found to be negligent. Otherwise, you could wind up being sued to cover the amount your insurance is not covering.

Raise Your Deductible



This extra coverage can be offset by raising your deductible. By increasing your deductible you will lower your premium. A deductible of $1000 instead of $250 can save you as much as 20% on your premium.

Compare



Spend some time getting quotes from different car insurance companies to find the best rates on car insurance for young drivers. There are many sites that make it easy to compare car insurance rates by filling in a few facts about who you are and what your needs are. These may only be estimates, but in some cases they are actual quotes for coverage. Either way, they will assist in your mission to find car insurance for young drivers.

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