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Tips on Keeping Teenagers Safe Behind the Wheel

Friday, April 9th, 2010

Car crashes are the nation’s #1 killer for teenagers. Every year, nearly 5,000 teenagers are killed in car crashes and nearly 375,000 injured. Making sure your teenager is safe behind the wheel should be your number 1 priority.

Here are some help tips to keep your teenager safe:

• Discuss when, where, how, and with whom your teen is allowed to drive.
• Limit the number of passengers in the car. Laughter, music, and cell phones can create serious distractions which increase with every additional passenger.
• Establish and enforce a curfew.
• Insist that your driver (and all passengers) wear seat belts at all times. They may not be cool, but seatbelts save lives. (And, in some states, it’s the law.)
• Create a no-cell zone. Talking on the phone is a dangerous distraction on the road for drivers of any age. Know the applicable laws in your county or state,        as these are changing rapidly and fines can be significant.
• Consider limiting or supervising your teen’s driving privileges during accident high-risk times (such as Friday and Saturday nights).
• Set driving-area limits. If your teen wants to travel outside your town or city, require that he or she request your special permission.
• Prohibit driving under the influence of drugs or alcohol. Prohibit riding as a passenger with a driver who’s unfit to drive. Encourage your teen to call for a          ride home if needed.

Remember always to have property auto insurance. For more information on how to obtain cheap auto insurance for teenagers, please to the “Cheap Teen Auto Insurance” section of this site.

Cheap Auto Insurance for Teenagers

Thursday, April 1st, 2010

Generally the words cheap auto insurance and teenagers do not go hand in hand, but in this article I am going to explain to you what you can do to get the cheapest available insurance for your teenager.

Teenagers love the sense of having freedom. Turning 16 and being able to get your license opens up a whole new world for them. Often times when a teenager gets behind the wheel of a car, they feel that they are invincible and causes them to take risks that an experienced driver won’t. Auto Insurance companies realize that and that’s why insuring a teenager is often times a lot more expensive then insuring a middle age adult with a good driving record.

Many auto insurance companies consider people under the age of 25 in a higher risk category for vehicle accidents. Getting in an accident as a teenager could skyrocket your premiums up by 50% to even 100%. Young people in the ages of 15-20 die from car crashes more then anything else. This makes a teenager a serious threat to someone on the road which is why teen auto insurance premiums are high, but don’t be too discouraged! I will show you what you can do to lower those premiums!

As a teenager this is how you can get a cheap auto insurance quote.

  1. Keep a good driving record. Having multiple speeding tickets and accidents will not look good at all. Many accidents are from teenagers speeding and when you get speeding tickets, the insurance company is going to consider you as a risky driver and raise your rates. DWI (Driving While Intoxicated) or DUI (Driving Under the Influence) will make your rates skyrocket as well. Its very possible, your premiums could double and you might even lose your license, so keeping a clean driving record is very important if you want to keep those premiums down.
  2. Drive a Safe Car. Having a newer car with advanced airbags will help lower your premiums as much as 50%! Insurance companies know that if you were to get in an accident, it will be a lot less likely for you to get injured then in an old car with no airbags. Having a high horsepower sports car or a SUV will increase your premiums and insurance companies see those cars being more risky for teens to drive.
  3. Getting Good Grades. Doing well in school and having a 3.0 or higher GPA will help lower your insurance rates up to 10%. Insurance companies reward teens with good academic performance. This is a good motivation for teenagers to get good grades because it helps save money
  4. Take a Defensive Driving Course. Having taken a defensive driving course shows insurance companies that you are trying to be a safe driver to avoid accidents. This will also help in getting a discount. Make sure you contact your insurance company and ask them for a list of approved defensive driving courses you can take in your area.
  5. Get involved in a Community. Last but not least, the teenager can involve themselves in a community such as Eagle Scouts or Girl Scouts. Certain insurance companies will give an additional discount for this because they see the teenager as less risky since they are spending time bettering their community.

Hopefully, this guide has helped you better understand how auto insurance companies view teenagers and what you can do to keep your teenager’s insurance rates down. Please use one of the links at the bottom to run a FREE insurance quote to compare against all the leading insurance companies.

Always remember that driving is a privilege and when abused it can be taken away. Always obey the law and practice safe driving.