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Aronson Insurance Blog

Keeping Your Teen Driver Safe on the Road

Did you know that Memorial Day through Labor Day is the most dangerous time of the year for teens to be on the road?  Statistics show that over the past five years combined, an average of eight teens (aged 16-19) were killed in car accidents every single day during these months. “Immaturity and lack of driving experience are the two main factors leading to the high crash rate among teens,” said Loretta Worters, vice president with the I.I.I. “Even the best teenage drivers don’t have the judgment that comes with experience. It affects their recognition of, and response to, hazardous situations and results in dangerous practices such as speeding and tailgating.”

When it comes to teen drivers, the biggest concern is risky behavior: eating, talking, texting and not wearing a seatbelt.  The Insurance Information Institute recommends taking the following precautions to ensure the safety of your teenage driver:

1. Pick a Safe Car
You and your teenager should choose a car that is easy to drive and would offer protection in the event of a crash. Avoid small cars and those with high performance images that might encourage speed and recklessness. Trucks and sport utility vehicles (SUVS) should also be avoided, since they are more prone to rollovers.
2. Enroll Your Teen in a Drivers Education Course
A teenager who has learned to drive through a recognized drivers education course is viewed more favorably by insurers, and may earn a discount. In some states, teens must take a drivers education course if they want to get a license at age 16; otherwise, they have to wait until they are 18. Furthermore, the more driving practice your teen gets, the more confident he or she will be behind the wheel and the better able to react to challenging situations on the road.
3. Enroll Your Teen in a Safe Driver Program
Check whether your insurance company offers a “safe driver” program. Teen participants in these programs sign contracts with their parents outlining the young driver’s responsibilities and the consequences of failure to meet those expectations—if your teenager completes the program, you may be eligible for a discount.
In addition, insurance companies are helping to reduce the number of accidents involving teen drivers by subsidizing the cost of electronic devices, such as GPS systems and video cameras, which can monitor the way teens drive and alert parents of unsafe driving by email, text message or phone.
4. Discuss the Dangers of Drug and Alcohol Use
Advise teens never to drink or do drugs, and not to get in a car if the driver has used drugs or alcohol. Encourage your teen to call you if such a situation arises to ensure they have a safe way home.
5. Understand the Dangers of Distracted and Impaired Driving
Remind your teen never to phone or text while driving, and to keep distractions, such as the radio and chatting with friends to a minimum. Teens should also be responsible passengers when in their friends’ cars. New drivers should wait 1,000 miles or six months before picking up their first teen passenger.
6. Be a Good Role Model.
New drivers learn by example, so if you drive recklessly, your teenage driver is likely to imitate you. Always wear a seatbelt and never drink and drive. Require your teenagers to wear safety belts at all times—no exceptions.
7. Enroll Your Teen in a Graduated Drivers License Program—or Create Your Own
Many states have been successful in reducing teen accidents by enacting graduated drivers license (GDL) legislation. These laws, which include a three-phase program, allow teen drivers to develop more mature driving attitudes and gain experience behind the wheel. New drivers are restricted from certain activities, such as late-night driving or having passengers in the car, until they have had their licenses for a set period. A number of states also restrict the amount of time new drivers may be on the road without supervision. For more information on GDLs, visit
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