Teenage Driver? Don't Sweat It!

Do you have a teenage driver? Or are you sweating about the thought of your tween driving in a year or so? Back to school time is a great opportunity to think about car insurance savings!  

Having a teenage driver can be stressful enough without even adding in the cost.  You worry, first and foremost, about their safety. And then of course there are a lot of costs! Things like purchasing an additional vehicle, getting licensed, and paying more for insurance. 

Fortunately, when it comes to the insurance, it doesn’t have to be as detrimental as you think. You have options.

First you want to think about the vehicle your teen will be driving.  Premiums are higher on vehicles with comprehensive and collision coverage, which pays to fix your vehicle after an accident.  When you have a car that has only liability insurance (which pays only for damage your driver does to someone else’s car), you pay a lot less.

If you are purchasing a car for your teen and need to watch your budget, consider buying an older reliable model for cash that will not require comprehensive and collision coverage. Not a hoopdie, but a car that you can feel safe with your child behind the wheel while not breaking the bank. If you are thinking about one car or the other, call us. We can help you weigh the cost and the risk to see if it is a good option for you.  

You also want to take advantage of all available discounts.  These vary by policy but typically include a discount for driver's ed and one for having good grades.  With school about to start, it's a great time to setup an incentive plan with your teenager to make sure they keep those grades up and your premiums low! Most policies will give you an additional 10% off for a B or above average and driver’s ed can be up to 20%. On top of these if your child also takes an accident prevention course, this can be an additional discount as well. They can take the course online now as well at www.HVDDonline.com

Still have questions?  Call us to review your current policy and look for ways to help you manage the cost of having a teenage driver.  888-565-2212 or visit us online at www.bryanagency.com

At the Bryan Insurance Agency we are the leading local agent in New Windsor, Long Island, and New York for teenage drivers and car insurance.

Your young drivers—help them play it safe

The Insurance Institute for Highway Safety reports that 74 percent of 16-year-olds’ crashes are caused by driver error. Young licensed drivers, ages 15 to 24, account for the highest fatality rates.

Alarmed by the high number of serious accidents involving teen drivers, our agency urges you to help your teen driver slow the transition to the road and give him or her more time to learn and mature.

What can I do as a parent of a teen getting ready to hit the road?

As a concerned parent, there is much you can do to help make your teen a safer driver. Set time aside to help your teen prepare and practice, and set limits for your young driver.

Encourage awareness of traffic safety.

• Talk to teens and pre-teens about driving etiquette while they’re driving with you. Set an example of safe-driving practices—wear your seat belt, obey the traffic signs and don’t speed.



• On the road, emphasize to your teen the importance of being aware of vehicles and hazards and leaving an adequate safety margin around the car.

Gradually increase your teen’s driving privileges commensurate with his or her developing skills and good judgment.

• Limit night driving until your teen has more experience behind the wheel. Most teen drivers’ nighttime crashes occur from 9 p.m. to midnight, so teens should not drive much later than 9 p.m.



• Require permission for your teen carrying passengers (especially other teens) and restrict the number of people in the car.

Set and enforce important rules.

• Negotiate an agreement regarding your teen’s responsibilities for gas, insurance, upkeep costs and maintenance. Be sure your teen understands that he or she is responsible for paying all traffic and parking tickets.



• Enforce zero tolerance for alcohol use, yet make sure your teen knows if he or she gets into a situation in which alcohol use has made it unsafe to drive, he or she should call you for a safe ride home.
  


• Make sure your teen understands the importance of using safety belts. Insist upon full safety-belt use for everyone in the car at all times. It is the law!

Is there a way to lower the auto insurance rates for my young driver?

Automobile rates tend to be higher for drivers under age 25 because as a group, they are involved in more crashes than people of other ages. As your professional, insurance agent, it is our job to see that you get the best coverage at the best price. Check with our agency to see if your auto insurance company offers any of the following discounts.

• Driving the family car—Rates usually are higher for young people who own their own cars than for those who drive family cars.



• Good student discounts—Full-time students age 16-25 who are in the upper 20 percent of their class, maintain a B average and/or make the honor roll or dean’s list may be eligible for discounts.



• Driver-training discounts—Discounts may be available for drivers under 21 who have completed an approved driver- training course. Some companies give discounts to individuals of any age who complete “defensive” driving classes.



• Resident student discounts—Families with a young driver without custody of a car who resides at college more than 100 miles from home may receive discounts.

Remember, you also may elect to take on a higher deductible for collision coverage, which will lower the premium. Or, if you have an older car, you may wish to drop the collision coverage.

Be sure to contact our agency when you are ready to add your teen driver to your auto policy. Call us at 845-565-2200 or 888-565-2212 or visit us online at www.bryanagency.com today!