Teen Driver Statistics
Turning the legal age to drive is an exciting time for teenagers. They often don’t think about the dangers and threats that come with the privilege to drive. The truth of the matter is that Motor Vehicle crashes are the leading cause of death among 15-to-20 year olds, according to the National Center for Health Statistics. Even with three-phase programs provided in every state, drivers between ages 16 to 20 are increasingly involved in fatal accidents, according to the National Highway Traffic Safety Administration. Approximately 1 in 5 16-year-old drivers will have an accident in their first year of driving. What can you do to protect them?
Protecting your Teenage Driver
Parents who are more involved and informed are considered the most influential factor in promoting safe teen driving. Being there for them in the beginning stages can high influence their future in driving. Some other things that you can do are:
- Practice driving in all weather conditions to prepare for severe weather driving
- Emphasize the need for putting on seatbelts every single time
- Enforce the no cell phone usage while driving rule; and teach by example (Don’t do it yourself!)
- Let them practice driving for the required 70 hours as a permit-driver, before they get their license
Application of these suggestions will not guarantee safe driving in teens, but it will likely help reduce reckless driving in your teenager.
Other Forms of Driver Protection
Another way of protecting your teenager is making sure that they are insured when they drive. If a teen is listed on the auto owner’s car insurance policy, then the insurance company will take care of settling with the other party’s insurance carrier. On the other hand, an uninsured teen will not be protected by a parent’s auto insurance automatically. This leaves them (and you!) vulnerable to being sued to cover the other party’s expenses, if the uninsured teen is at fault.
Save Money on Auto Insurance with Your Teenage Driver
If your teen driver is licensed and ready to get on the road, they will need to be insured. The natural route is to have the teenager added to a parent’s auto insurance policy. Be prepared to see higher rates, as teens are among the group of riskiest drivers. However, there are different ways you can save money with AIS – Auto Insurance Specialists.
- Multiple Vehicle Discount – if your teen has his or her own car, ask your insurance carrier about a discount for insuring multiple cars
- Increase Your Deductible – By increasing your deductible, you are lowering your monthly premium costs
- “Occasional” and “Pleasure-only” Driver Discounts – If your teen is away at college and is not taking the car, he/she may be eligible for this discount
- Usage-based or “pay-as-you-go” insurance – By installing a tracking device in your teens car, you can monitor driving behavior and save money for good driving. In addition, you can view your teen’s driving habits and correct any potentially dangerous behavior
- Good Student Discount – If your teen is in school, you may be able to save money if he/she has good grades
This list is of discounts that may be available, however actual availability of these discounts vary between states and carriers. This is not a comprehensive list of ways to save money on auto insurance with your teenage driver, so ask your AIS Auto Insurance Specialist if there are other non-teen related discounts that you may qualify for.
The information in this article was obtained from various sources. This content is offered for educational purposes only and does not represent contractual agreements, nor is it intended to replace manuals or instructions provided by the manufacturer or the advice of a qualified professional. The definitions, terms and coverage 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.