Did you know that vehicular fatalities are the leading cause of death for U.S. teens? And though fatality rates for teens have steadily dropped since 1975, teens remain three times more likely to crash per mile driven than adults.
Thankfully, you can play a big part in keeping your teen safe. To help you navigate this critical milestone in your child’s life, here are nine tips covering everything from safety to saving money on car insurance for teenage drivers.
If you have any questions about insuring your teen driver, please feel free to call our office.
1. Invest in a safe-driving course. The more practice young drivers have behind the wheel, the better. Since inexperience results in many teen motor vehicle accidents, approved safe-driving techniques can help teens gain experience and practical skills. Check with your state’s department of motor vehicles to get an approved list.
Safe-driving courses can be taken online or in-person and usually last anywhere from 6 to 12 hours. Most courses are affordable, but it never hurts to shop around. And while you’re looking for ways to save, don’t forget to ask your insurer about a car insurance discount for taking an approved safe-driving course.
2. Get the safest car for your teen driver. Safety and reliability are critical when choosing the right vehicle for your teen. Choose the safest car you can afford. Whether buying a brand-new car or a used model, look for advanced safety features like front and side airbags, antilock brakes, head restraints, and electronic stability control. If a crash occurs, these safety features can be lifesavers.
Before you settle on a vehicle, make sure you check the Insurance Institute for Highway Safety’s (IIHS) Top Safety Picks for the crash test rating of the car you have in mind.
3. Implement your graduated licensing program. Even if your state has an excellent graduated driver licensing program, consider implementing your own rules until you’re comfortable with your offspring’s driving skills.
- Restrict nighttime driving: The IIHS reports that most fatal crashes for young drivers occur between 9 p.m. and midnight, so it’s good to take away the keys after 9 p.m.
- Please limit the number of passengers: It may be fun for your teen driver to play chauffeur to their friends, but studies have shown that the presence of passengers increases accident risk. Teen drivers are more likely to be distracted when they have friends in the car, and the company of peers also leads to riskier driving practices.
- Supervise driving: Even though your child may be a bona fide licensed driver, they still lack the necessary experience to handle difficult driving situations.
4. Have a heart-to-heart. Driving is a privilege — make sure that your young driver knows it. Before you hand over the keys, spell out your expectations for good driving behavior.
A parent-teen contract detailing your policies regarding passengers, alcohol use, texting while driving, speeding, etc. — and the consequences should your child fail to live up to their responsibility — will ensure that you and your teen are on the same page.
5. Practice what you preach. Set a good example for your young driver. Drive safely, buckle up, and avoid distractions (like texting, talking on the phone, or eating) behind the wheel.
6. Discuss driving costs. If your child has to pay for some car-related expenses (gas, a portion of the monthly insurance premiums, oil changes, etc.), they will take driving more seriously and be safer on the road. So make sure your child knows who will pay for what and, when possible, have your teen help out with the cost of car ownership — even if it’s just buying gas every once in a while.
7. Set a zero-tolerance drinking policy. The statistics for underage drinking are sobering. According to the Centers for Disease Control, youth aged 12 to 20 consume 11% of all alcohol in the U.S. So though you might like to avoid the subject, turning a blind eye to teen alcohol use won’t make the problem disappear.
8. Keep a squeaky-clean driving record. Since every vehicular infraction tarnishes your record and raises your insurance premiums, practice safe driving to clean your history. If you’ve added your child to your policy, they also follow safe-driving practices. Since speeding is the most common driving violation in the teenage population, make sure your child follows speed limits. (Investing in a vehicle tracking device could be a good option if you’d like to monitor your child’s speed.)
9. Encourage good grades. Aside from helping your young family member advance through life, good grades can also help you and your young driver save on car insurance. If your child is a full-time high school or college student and maintains a high GPA, they could be eligible for a Good Student discount.