Automotive Insurance Tips and Advice

2008-02-04

Prepare Your Teen Driver

For teenagers, learning to drive is a major milestone to becoming an adult. However, make sure your teenager is prepared for the road and the dangers that come from this milestone.

Some ask the question—when can my teen drive? 

Most states will allow a 15-year-old to obtain a learner’s permit. With a learner’s permit, your teen can drive only if accompanied by a certified driving instructor, parent or guardian who has a valid driver’s license and rides in the front.

At the age of 16, teenagers can apply for a “probationary” driver’s license, but be aware that many states enforce night curfew hours and graduated drivers’ licensing laws (GDL).

The GDL system is designed to ease young drivers into becoming experienced by gradually giving them more difficult driving situations. Over 40 states have three-stage graduated licensing systems. Several other states have portions of GDL programs in place. These programs aim to reduce fatal crashes among 16-year-old drivers.

For more information on the graduated driver licensing laws (GDL), visit the web site of the National Highway
Traffic Safety Administration

In this preparation, there are things to know and enforce as the parent of a teen driver.

Make sure your teen understands that driving is a privilege that can be taken away. As the parent, you set the rules and guidelines. Make an agreement with your teen and maybe even have them sign a contract.
Once your teen starts to drive, you’ll have to insure your teen separately. To make it easier on your wallet, make sure to inquire about any good grade discounts. If your teen has good grades, you could be eligible for a discount on your auto insurance.

You should contact your insurance agent when your teen is about to get his or her learner’s permit. Your agent will explain the costs for insuring a teen driver.

Four things to tell your teen:
1. Remember to buckle up!
2. Speeding, tailgating, joking around, talking on the phone and eating are risky driving practices that can lead to accidents.
3. Playing loud music is a distraction and may make it impossible to hear an oncoming emergency vehicle.
4. As always, drinking and driving is completely out of the question!

Do I have to insure my teen?

Nationwide has developed a resource guide entitled “Let’s Talk About What’s Important.” More information is included in this guide on tips to protect your home, car, business, and your money. Log onto www.nationwide.com for more details.

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