by Penny M. Hagerman
Teenagers love the sense of freedom and control they get from driving a car. With license and steering wheel in hand, the world is theirs—and they feel invincible.
But the rush a teen gets behind the wheel of a car often causes him or her to take risks that experienced drivers don't. This makes a teen a serious threat to everyone on the road, causes car insurance rates to skyrocket and results in higher premiums overall.
Teaching by Example
More young people between the ages of 15 and 20 die in car crashes than from anything else—causing risk for the car insurance company and higher quotes for teen drivers.
One of the best ways to offset this risk, lower teen car insurance quotes and keep their teen safe, is for adults to set a good example for their teen behind the car wheel.
Parents who actively model safe driving practices like these in front of their teen ultimately produce better adult drivers with lower car insurance quotes:
Practicing Safe Driving
Adding a young person to the parents' insurance policy can raise car insurance rates 50 to 100 percent.
But if they're willing to go the extra mile, teens can minimize financial impact and help keep everyone safe by taking these few, simple steps:
Experts say the part of the teen brain that weighs risk, makes judgment calls and controls impulsive teen behavior doesn't mature until they're around 25. However, young drivers can overcome most immaturity issues—and keep car insurance rates low—simply by following these guidelines.
Lowering Teen Car Insurance Quotes
Though teens, as a group, carry higher car insurance quotes than adults, much of that cost can be moderated through active learning and safe teen car driving.
So practice safe driving in front of your teen...and require them to follow suit. You'll keep everyone more secure, keep more of your hard-earned money—and raise a mature, responsible driver your insurance company will love.