Safety, Insurance Rates Go Hand In Hand For Teen Drivers

It’s never easy when you finally have to hand your keys over to your teenage son or daughter. Besides the constant worry and stress, sometimes what’s more difficult is your auto insurance rate now due to your new driver. While teenagers may not think of the costs or risks when driving, you sure do.

Safety and auto insurance rates go hand in hand, especially in the case for teenage drivers. Studies show that your auto insurance rates can jump over 75% when you add a teenage driver to your plan, with boys jumping nearly an average of 89% and girls lower at 66%. The higher bill may seem unfair to some, but the risks involved with a teen driver have not been wrong when looking at the past instances, especially now where seemingly everyone has a smartphone on them, allowing for more easily distracted drivers.

It is important to stress with your new driver the importance of driver safety, not only for themselves, which is obviously priority one, but for when dealing with insurance cases and helping keep your monthly bill low.

Talk to your teen about the rules of the road and the consequences of speeding and driving recklessly, whether the punishments be from you or law enforcement officers, it is important to talk about this and lay some ground rules.

Staying off the phone while driving also has a huge impact on the safety and awareness a driver will have. Texting and driving or checking a social media site while driving is extremely dangerous not only for the driver, but also for others on the road or sidewalk.

There are even some apps that will turn off your teens phone while they are driving, consider using that.

Another tip is to not let your son or daughter drive with more than one person in the car. While they may not like this rule, studies have shown that distraction and accidents occur more when there is more than one passenger. In addition, your son or daughter being a good student or having good grades is another way to save money as many insurance companies offer some sort of good student savings or discount.

Handing over the keys to your teenage son or daughter is an experience, both exciting and worrying. Having the right auto insurance plan is key to ensure that you and your family stay safe and protected. There are many honest and secure auto insurance plans throughout the Chicagoland area which will help work with you and your new teen driver.