Motor vehicle accidents are the leading cause of
death in young people 15 to 20 years old. This same age range
makes up 12% of fatal accidents, and 15% of all car crashes.
These statistics translate into insurance companies classifying
young drivers, especially teenagers, as high risk. The costs of
adding a young driver to an insurance policy increases
Many teenagers are risky drivers because they don’t always think
about their actions’ consequences. When late for school, the
obvious decision is to go faster to get there sooner. When there
are other people in the vehicle, they feel that they have to
participate in conversation and activities, instead of paying
attention to driving. Despite there now being laws against it,
teenagers also talk on cell phones or text while driving 30%
more than adult drivers do – and as many adults as we see
perpetrating these things, this is a frightening fact.
Auto insurance is expensive for teenagers for good reason – it
is because they are so inexperienced at driving. Teenagers
simply have less experience behind the wheel of a motor vehicle.
This causes the chances of an accident to go much higher. This
cost can be a burden on parents who are trying to get their
children insured, but coverage is necessary not only for the
parents’ financial protection, but for the protection of other
people on the road, as well. In spite of the cost of insurance,
there are things that you can do to offset the expense.
One of the biggest problems that parents face with insuring
teenagers, after the cost, is the possibility of a minor
accident causing them to lose any discounts and no-claim
benefits that they might have acquired on their own driving
records. Having to make a claim after a teen’s fender-bender can
wipe those benefits off the record. A great way around this is
by getting a teenager temporary car insurance - you can find uk
Finance 1. This will provide the protection of insurance
without having to put a teen on the parents’ insurance policy.
temporary car insurance typically lasts anywhere from a few days
up to six months, allowing it to be renewed at that time.
Another good idea is parents driving with their teen as much as
they can. This will help you to make sure your teenager is
driving safely and can help to keep a teen from getting into an
accident or receiving any speeding tickets in the first place.
Tickets can have a big impact on insurance rates. Discussing the
importance of safe driving and speed limits should become a
regular occurrence – most parents know that a one-time talk
isn’t enough, when it comes to teenagers.
Enrolling your teenager in a defensive driving course is an
excellent idea. Defensive driving goes beyond simply teaching
the mechanics of driving a car and drilling rules into a teen’s
head. It reduces driving risks by teaching how to anticipate a
dangerous situation whether because of the mistakes of others or
because of other conditions around the driver. Anyone can take
these courses, but they can be particularly useful for a teenage