Teen drivers spend countless hours dreaming of owning their first car. A fast sports car conjures exciting, while an SUV has ample room for all of their friends—and both vehicles have one thing in common: Neither is a good choice for teens.
If you’re the parent of a teen driver, you may be wondering what you can do to help ensure his or her safety. Aside from knowing and honoring the rules of the road, safe teen driving involves operating the appropriate type of vehicle. In addition to researching auto insurance for teens, there are five tips to consider when choosing your teen’s first car. Designed to help protect young drivers, these suggestions focus on safety, which also helps to lower the cost of car insurance for teenagers.
Tip 1: Watch the speed. Driving fast cars with turbochargers and high horsepower carries significant risk for teen drivers. Car accidents are the leading cause of death among 15- to 20-year olds, and in 37% of those accidents the primary cause is speeding. Help protect your teen by choosing a vehicle with a four-cylinder engine and average horsepower, which may cost less to insure and could save lives.
Tip 2: Grounded in reality. When it comes to buying a car, many parents mistakenly presume that big equates to safe. The opposite is often true for young drivers, as SUVs and pick-up trucks can pose significant dangers for teen drivers. These vehicles have a high center-of-gravity, which makes them less stable and more prone to rollover than traditional mid-sized sedans—especially for inexperienced drivers.
Reality check: Pick-up trucks are two times more likely, and SUVs are three times more likely, to rollover than traditional passenger cars.
Tip 3: Buy 1997 or later. While pre-owned cars are less expensive, older models may be more costly to insure—and they often don’t have modern safety features found on newer cars. Although many parents can’t afford new or almost-new vehicles, they should focus on models manufactured in 1997 or later—the year airbags were required in all cars. Other important safety features include side airbags, anti-lock brakes and roll stability control.
Tip 4: Know the score. Whether shopping for a new or pre-owned vehicle, always check crash-test scores. All vehicles are rated by the National Highway Traffic Safety Administration (NHTSA), which provides ratings on a vehicle’s ability to withstand a front or side impact. Although these scores are approximate, they provide an excellent appraisal of a model’s structural integrity. To access crash-test scores, visit the NHTSA’s website at www.safercar.gov.
Tip 5: Use a GPS Tracking Device: Several GPS tracking systems are available which enable you to track your teen’s driving behavior, monitor their driving speeds, remotely control items on the car like unlock the doors, disable the starter, honk the horn or even something such as turning on a light on the dashboard telling your child that you want them to come home now.
Tip 6: Ask for a rate quote. Before you go car shopping, inquire about car insurance for teens. Find out how much it will cost to insure your teen in his or her new car. Rates can often vary by hundreds and even thousands of dollars. All Solutions Insurance offers some of the lowest rates available for families with teen drivers. If you’d like to speak with an agent about a quote, please call (951) 247-2003. ASI sells insurance policies especially customized for you from the most reputable companies in the industry.
Following these tips will help reduce the risks often associated with teen driving as well as lessen parents’ anxieties.
My teen just got his permit. Do I need to add him to my policy? If so when is the best time? As always with coverage questions, it depends on the language of the policy. If you have signed a separate agreement with the insurance company that excludes him from coverage, then you definitely need to add him to the policy if you wish coverage to apply while operating the vehicle. If not excluded, there may be coverage for liability, but not for collision and comprehensive if they are not added. Auto policies generally cover all resident relatives for liability and listed resident relatives for collision and comprehensive. To be absolutely certain of coverage, the best practice is to not let him drive before speaking with your All Solutions Insurance expert. Your carrier may require that for there to be coverage, the permit driver must be in compliance with the provisions of their permit and make sure they know what such requirements are before allowing them to drive. A number of companies will not charge an additional premium to cover a permit driver. They will, however increase the premium when he gets his actual license or reaches 18 years of age.
As always, it is important to review the language of your specific policy, or contact your ASI agent for more details about the coverage specific to your teen who has just acquired their driving permit.
For information about auto insurance or to receive a free quote on auto insurance policy, please contact an ASI expert today.
This content is offered for educational purposes only and does not represent contractual agreements. The definitions, terms and coverages in a given policy may be different than those suggested here and such policy will be governed by the language contained therein. No warranty or appropriateness for a specific purpose is expressed or implied.
With school back in session, there will be more inexperienced drivers on the road. Teens that now have their driver’s license will want to drive themselves to school instead of “uncool” transportation methods such as riding the bus or being dropped off by mom or dad. With this new freedom comes a lot of responsibility and in many cases teens take it for granted. Driving can be very dangerous for an inexperienced teen.
To help your teen become a safer driver, here are some tips that can help.
This content is offered for educational purposes only and does not represent contractual agreements. The definitions, terms and coverage’s in a given policy may be different than those suggested here and such policy will be governed by the language contained therein. No warranty or appropriateness for a specific purpose is expressed or implied.
For more general information regarding insurance, call:
Moreno Valley Office at (951) 247-2003 or San Jose Office at (408) 225-4300
Check out our Social Media