It’s an exciting time for a teen when they first get their driver’s license. But, teens are inexperienced with driving which can bedangerous. Car crashes are the leading cause of death for US teens, according to the CDC. Since new drivers are prone to traffic accidents, adding a teenage driver to your car insurance policy will raise your rates. Keep reading to find out how to save up to $400 a year on your teen driver’s insurance policy!
Keep your Teens Safe on the Road – Teen Driving Safety Tips
Texting and Driving
We all know that it’s dangerous to text and drive, and now it is also illegal in Minnesota with the “Hands-free” law went into effect. According to research, teens are more likely to text and drive than adults. Make it a point to talk to your teens about the dangers of texting and driving on a regular basis, rather than as a one-time event. Consider talking to your child about turning their phone off or placing it in the glove compartment when they are driving.
Teens & Speeding
25% of all teen accidents involve speeding. Teens who are monitored closely tend to speed less. Set a good example with your driving habits and address dangerous speeding behavior when you see it. High-performance vehicles or sports cars can encourage speeding so some parents choose larger cars instead.
Remind your teen, that getting a ticket for speeding, not buckling up, or not following the hands-free law can cause your car insurance rates to rise.
Teen Drivers & Passengers
In a study by NHTSA, teen drivers were 2.5 times more likely to engage in risky behavior when driving with a teenage peer, compared to driving alone. Set rules for your teen as when passengers are allowed and what you expect from them when driving with passengers.
Get the Right Vehicle for your Teen
When choosing a vehicle with your teen, there are some guidelines that can help encourage safety. For instance, newer vehicles have better crash protection that older vehicles. Smaller vehicles also have less protection than large vehicles. Some types of cars are more prone to rollovers and stability is important. Do your research before you start shopping for cars.
Driving Under the Influence
Alcohol is responsible for almost half of all teen motor vehicle deaths. Remind your teen that underage drinking is illegal and any drug, including over-the-counter and prescription drugs, can have deadly consequences. If your teen survives a crash as an impaired driver, they still face the consequences of breaking the law and expenses such as attorney fees, insurance hikes, court costs, and more.
Teens need to know that if they choose to drive as an impaired driver, and they survive a crash, they can still face consequences such as expenses, jail time, and more.
Seat belt use tends to be the lowest among teen drivers. Buckling up is one of the easiest actions to take in reducing the chances of injury or death in a crash. Again, parents who set a good example and make seat belt use an ongoing conversation rather than a one-time talk, are more likely to get through to their kids with the importance of the “Buckle Up” habit. Some parents even use a Parent-Teen Driving Contract to set clear expectations on safe driving behaviors.
Adding a Teenager Driver to your Car Insurance Policy
Before your teenager gets their Minnesota Learners Permit, contact MG Insurance to see what the cost of teen drivers insurance will be once they get their license. One of our agents can offer some advice and answer your questions related to getting car insurance for your teen driver. Discounts for teen drivers are available. For instance, students with a GPA of 3.0 or higher can earn the Good Student discount, saving up to $300-$400 a year! Since MG Insurance is an independent agent, we can also provide rates from several different companies, to ensure you are obtaining the best rate for the best coverage.
Students with a GPA of 3.0 or higher can earn the Good Student discount, saving up to $300-$400 a year!
If you can encourage your teen to follow these safety guidelines and avoid accidents and tickets, not only can it save their life, it will also help to keep your teen drivers insurance rate down. If you have questions about adding a teen driver, give the team at MG Insurance Agency a call at 320-235-9394 or contact us online. We can provide multiple quotes and options to find the best car insurance rate to meet your family’s changing needs.