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When Your Teen Starts to Drive: Getting the Most Out of Your Insurance

dad giving son driving tips through the window

Your teen is probably excited to get out on the road and start learning how to drive. That said, there are certain precautions you would need to take as a parent to ensure they are driving safely. In this article, we are going to discuss how an auto tags provider can give you tips to make sure you are following all state laws and requirements.

Talk about potential distractions

Teenagers can be especially distracted by their smartphones and might want to immediately respond to you or a friend. We recommend discussing the dangers of texting while driving with your teen to help them understand how distracting it can be. Driving under the influence is also a serious safety hazard, so your teen should be aware of how to avoid this when driving alone or with others.

Sign up for a good driver’s training program

Even if you are an excellent driver, your teen should still learn from a trained professional. This is not only to ensure they learn the specifics of safe driving, but also so you can keep your insurance premiums low. Your insurance company will typically raise your rates because they see your teen as a hazard, and if there are accumulated tickets or a couple fender-benders, your premiums will increase significantly.

If you have time, you could also take them for practice sessions to give them a chance to get used to your family car.

Consider letting your teen use your car

You might want to avoid any inconvenience by purchasing a car for your teen, but sharing a car actually comes with a couple of benefits. The first is that it will limit your teen’s driving time, minimizing their chances of getting into an accident. Secondly, you won’t have to purchase additional insurance and can keep your premiums affordable.

Monitor your teen’s driving

Usage-based insurance is a new concept that allows you to keep your teen safe on the road and your monthly insurance payments affordable. The auto insurance company will send you a device to plug in under your dashboard; this will monitor how fast the driver is going, how hard they brake, etc. These are all factors that contribute to insurance prices, so if there is a record of responsible driving, you could be eligible for a discount.

This might not be ideal for all families, so it’s important to speak with your auto tags provider for more information and benefits.

Additional information for safe driving

Preparing your teen for an emergency is one of the most effective ways of ensuring safety. Teach them how to change a flat tire and how check its air pressure; you should also consider keeping a list of emergency numbers in the glove compartment in case your teen is stuck without phone reception.

For more information on how to keep your teen safe behind the wheel, contact Superior Insurance & Auto Tags today!

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