It’s always an exciting time in a teenagers life when they reach that magical age needed to get their drivers license. However, this isn’t an exciting time for many parents as it means more worries and financial burden.

















As a parent, it’s important to make sure your child is well educated and prepared to become a licensed driver. There are plenty of steps and options out there to help your teen become ready to take the road. Below are some things that could help you and your teen avoid issues down the road:


Graduated Driver Program


Pennsylvania already has a graduated driver program that includes a longer permit time period and a requirement for training hours. 

Some additional things to consider enacting as a parent:


· Build a tiered system that initially limits the distance your teen can drive. Have him/her earn the right to travel long distances.


· Driving at night is one of the hardest things for a new driver to master. Limit the amount of night-time hours early in the process.


· Many accidents involving young drivers take place with several passengers. More passengers in the car can be a distraction for a young driver. Put a limit to the number of friends your teen can have in the car at one time.


· Parent-Teen Driving Contract via Travelers, provides a great example of a parent-teen driving contract. Putting it in writing and keeping the contract visible in the home is a good way to remind your teen that he/she needs to be responsible.


Cost of Insurance


Most teenagers are oblivious to the cost and burden of paying insurance. Adding another driver to a policy or paying separately for a new driver is often difficult to afford. Sitting down and talking with your son/daughter about the cost of insurance is a way to help them understand the importance of safety.


Here are some tips to try when talking with your new driver:


· Show your teen a copy of your insurance bill. This will allow them to see a portion of what it costs to be a licensed driver.


·  Explain that any accident could raise the cost of the insurance as well as the out of pocket costs.


·  Most insurance companies offer discounts to teens who hold a “B” average in school or take additional driver training courses.


·  Most insurance companies offer Liability Insurance as a form of protection. For as little as a few hundred dollars extra a year you can add coverage that will help cover the cost of any potential accidents your teen may cause.


· If you have a child who’s heading off to college be sure to let your insurer know, as you could be eligible for additional discounts.


Stats:


Consider these statistics on teen driving:


  • Automobile accidents are the number one killer of our nation's youth.

  • Drivers under the age of 20 were involved in 13% of all accidents, yet they account for only 5% of all drivers.

  • 5,000 teenagers die each year from auto accidents.

  • Alcohol is responsible for almost half of all teen motor vehicle deaths.

  • 25% of all teen accidents involve speeding.

  • Half of all teenage traffic fatalities occur between 6:00 p.m. Friday and 3:00 a.m. Sunday.

  • In one year, drivers 19 and under were involved in close to 3 million motor vehicle accidents.

  • The price of a bad decision can include injury to yourself or others, loss of life, loss of life style or loss of personal freedom.


Source: Insurance Information Institute; http://www.iii.org/


Hopefully these tips will help make the adventure of welcoming a new driver into the family a little less stressful. Be a good role model. New drivers learn by example, so if you drive recklessly, your teenage driver may imitate you. Always wear your seatbelt and never drink and drive. Keep a close eye on your teen’s behavior behind the wheel – even after obtaining a license. Continue to coach them about how to drive more safely. Learning to drive safely takes time, experience, judgment and skill. Crane Insurance Agency, Inc. is committed to helping your family through this momentous milestone! For more information, please call us at 570-874-3800 in Frackville or 570-668-0327 in Tamaqua.

Teen Driving