What should I consider when adding my teen driver?
Since teens lack driving experience, they are a higher risk to insure; therefore the premiums assigned to them are typically higher than an adult. But there are steps you and your teen can take to help reduce rates:
Keep a clean driving record
Drive a safe car
Raise policy deductibles
Take advantage of insurance discounts*
If you’re thinking about buying a car for your teen, look into different auto safety ratings first. Since teens are much more likely to have a crash than adult drivers, choosing a safe car will not only give you peace of mind but also help reduce your premium cost.
Feel free to contact The Ridley Agency to find out more about teen safety programs.
Even after receiving their license, some teens are not prepared for driving on their own. Only you can decide when your teen is ready to drive without adult supervision. While they’re learning, you can help keep them safe by setting rules about when, where, how and with whom they may drive.
Put a limit on the number of passengers in the car. Teens are likely to have more trouble focusing on the road with laughter, music, food and other distractions, all of which increase with the number of passengers. Establish and enforce a house curfew. Check with your local police department to see if your town has a curfew for minors. If not, set your own. Insist that your teen and his/her passengers always use safety belts.
Teens tend to use their safety belts less often than other drivers. Remind your teen that the presence of air bags does not mean he or she can ignore safety belts.
Limit or supervise your teen’s driving during times of high risk.
The highest number of driving crashes occur Friday and Saturday nights, and early Saturday and Sunday mornings.
Set driving area limits. If your teen wants to travel outside your geographic area, require that he or she request special permission.
Prohibit driving or riding with others under the influence of drugs or alcohol.
In addition to the possibility of legal consequences, tell your teen you will revoke driving privileges for a given amount of time. See if you may be able to save even more by qualifying for any additional auto insurance discounts, like *Good Student, *Resident Student and *Driver education. Now you’re ready to get a quote and see how much adding your teen might cost.
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