Tips for parents to save money on car insurance for teen drivers
A mix of pride and fear is what most parents feel when their teen begins to drive. During this important time, parents and teens need to address a number of auto insurance and safe driving issues. · The cost of auto insurance · Coaching on safe driving skills · The importance of a good driving record · Choosing a safe vehicle Insurance rates depend on different factors, including experience and driving record, type and age of vehicle, and where you live. Generally, it costs more to add a teen driver to your insurance policy. Teen drivers have a much higher risk for accidents and it may be worth paying a higher premium for a lower deductible.
The Insurance Institute for Highway Safety (IIHS) and other safety authorities conduct crash tests to determine how well vehicles protect occupants in frontal, side, and rear collisions. A vehicle's crash-test performance is a good indicator of how it will perform in an accident. You can also use the test results as criteria for when you are shopping for a new vehicle. You may also receive auto insurance discounts for vehicles that have air bags, automatic seat belts and a four wheel anti-lock braking system. Insurance Institute for Highway Safety Teenage Driver Crash Risk Factors “Teenage drivers have high rates of both fatal and nonfatal crashes compared with adult drivers. Teenagers drive less than all but the oldest people, but their numbers of crashes and crash deaths are disproportionately high. Based on crashes of all severities, the crash rate per mile driven for 16-19 year-olds is 4 times the risk for drivers 20 and older.* Risk is highest at age 16. The crash rate per mile driven is nearly twice as high for 16 year-olds as it is for 18-19 year-olds 4 * The rate of deaths per 100,000 people in 2008 peaked at age 19 for male drivers (19 per 100,000) and at age 18 for male passengers (9 per 100,000). * Death rates peaked at age 18 for female drivers (9 per 100,000) and at age 18 for female passengers (6 per 100,000). * Many teenagers die as passengers in motor vehicle crashes. Sixty-three percent of teenage passenger deaths in 2008 occurred in vehicles driven by another teenager. Among deaths of passengers of all ages, 19 percent occurred when a teenager was driving. * A 2007 Highway Loss Data Institute study reported that overall collision (vehicle damage) losses for vehicles insured for teenagers to drive are more than double those for vehicles insured for use by adults only. 5* A pair of national studies
by the Insurance Institute for Highway Safety and the Highway Loss Data
Institute found that strong restrictions on nighttime driving and teenage
passengers, as well as delayed licensing age, reduce fatal crashes and
insurance losses”.18,19* · Wear seatbelts · Drive sober · Focus on the road · Learn to drive defensively · Ban the use of cell phone or texting · Obey speed limits · Restrictions on nighttime driving · Restrictions on teenage passengers · Delay licensing age - Risk is highest at age 16
* Denotes Statistical Data Source: Insurance Institute for Highway Safety This article is sponsored by 21st Century Insurance
Jody DeVere President & CEO Connect with Us AskPatty® and Certified Female Friendly® are U.S. registered trademarks owned by AskPatty.com, Inc.
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