The highest crash rate from any group involves teen drivers. And young licensed drivers from ages 15 to 24 are also accountable for the highest fatality rates. These are according to a report from the Insurance Institute for Highway Safety.
How Parents Could Help Their Teen Drivers
Parents have a big role in helping their teens become a safe driver. They need you to spend some time with them to prepare and practice. You also must set limits for them.
~ Wearing seatbelts
~ Following traffic signs
~ Not using hand-held devices, such as mobile phones
~ Avoiding road rage
~ Not speeding
~ Be mindful of the vehicles and hazards
~ Remembering to leave sufficient space as a safety margin around the car
Don’t let your teens drive later than 9 p.m., as most teen drivers’ nighttime crashes occurrence happens between 9.pm until midnight.
It is also very important to give them rules about restricting the number of passengers in the car, especially if its other teens.
~ cost of upkeep
They need to understand that they are responsible for paying traffic and parking tickets, as well as any insurance increase that resulted from it.
Other important rules to enforce:
~ Implement zero tolerance for drinking alcohol. Your young drivers need to be reminded of how unsafe it is to drive if they did use alcohol, and instead let them call you to get a safe ride home.
~ Let them understand that you will not tolerate any use of the mobile phone while driving, specifically texting.
~ Explain to young drivers the significance of using safety belts. They need to know that the law does require everyone in the car should wear their seatbelts all the time.
How To Reduce Auto Insurance Rates For Your Young Driver
Drivers under the age of 25 get involved in crashes more often than people of another age group. And because of this, their automobile rates tend to be higher. Nonetheless, some insurance companies do offer discounts to help you reduce the cost of your auto insurance without compromising your coverage.
~ belongs to the upper 20% of their class
~ maintains a grade of B average
~ make the honor roll or dean’s
~ Completed “defensive” driving classes
~ Resides at a college that is more than 100 miles from your home
Just a tip. You can reduce your insurance premium by increasing deductibles. Another thing you can do is to drop the collision coverage if you drive an older car.