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So, you have a young teen preparing to get their license.  If it's your first one, you may be shocked at the premium increase that you will be seeing.  If this is not your first teen, you may be expecting the increase, but not fully understand why the rates for teen drivers are so high.  There are many factors that affect our teen drivers.  Teens have very little experience driving.  And as any parent can understand, they tend to "test" the waters in many areas of life.  Driving is no different.  Teens may push the limits more, pay attention less, try to impress their friends & generally not take driving as a SERIOUS RESPONSIBILITY!

Here are some statistics from the Center for Disease Control & prevention, and the Insurance Institute for Highway Safety
*  Motor vehicle crashes are the leading cause of death for US teens.  
*  In 2010 seven teens aged 16 to 19 die every day from motor vehicle injuries
*  Per mile driven, teen drivers aged 16-19 are three times more likely than drivers aged 20 and older to be in a fatal crash
*  In 2010 the motor vehicle death rate for MALE drivers and passengers aged 16-19 was almost two times that of their female counterparts

Teen crashes are preventable.  Make sure to sit down & have a serious talk with your teen.  Let them know that when they get behind the wheel, it is a very big responsibility.  A car can be a lethal weapon!  It needs to be treated as such.  There are things teens can do that will help reduce their potential risk for having a crash
1.  NO CELL PHONES WHILE DRIVING.  Texting, calling or using their smart phones should be prohibited while driving, unless of an emergency
2.  ALWAYS WEAR A SEAT BELT.  Statistics prove that wearing seat belts saves lives
3.  DO NOT HAVE MULTIPLE TEENS IN YOUR VEHICLE.  Again, statistics show that teens with multiple occupants (other teens) in a car are more likely to be in an accident, than a teen driving alone.
5.  LIMIT DRIVING AT NIGHT TIME.  Night time driving can be tricky for many drivers.  It is even more difficult for a newly licensed teenager.
6.  SET A GOOD EXAMPLE.  If you show your children bad driving habits, that increases the chances that they will duplicate those bad habits.
7.  PRACTICE WITH YOUR TEEN, UNDER VARIOUS DRIVING CONDITIONS. Make sure to emphasize defensive driving and the ability to see potential issues in the road ahead.

Since they are the "newest" drivers, they will lack perspective on many aspects of driving. That's why it's so important to have guidance from their parents !

Posted 12:38 PM

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