Lower Auto Insurance for Responsible Teen Drivers

It's time for your teen to learn how to drive. It's quite often one of the most exciting rites of passage in your teen's life, and one of the more daunting experiences of yours! It's important for your teen to learn to drive safely. In addition to safety concerns, teens who are responsible drivers often qualify for reduced car insurance rates. Here are some ways to help your kids become responsible drivers.

Set a Good Example

Whether or not your children take a formal driving class, the people they will learn the most from are their parents. Your safe driving habits make a good impression on your kids. They watch and imitate more than parents sometimes realize.

    • Don't text and drive. Not only does this put you, your passengers, and other drivers in danger, it also sends a message to your child that distracted driving is okay. Put the phones or other technology away entirely. If you must have access, check messages only when pulled off the road, or appoint a passenger to relay messages for you.

    • Wear your seatbelt. It's easy to overlook something so simple, especially when you're in a hurry. Consistently wearing your seatbelt shows your teen that it's important to you and should be important to them.

    • Be a courteous driver. Don't tailgate, pull out in front of people, or indulge in road rage. You may be an excellent driver and be able to pull off some pretty smooth moves, but do you really want your kids trying the same thing when they're behind the wheel?

Be A Good Teacher

Your teen will likely be nervous when he or she first gets behind the wheel of the car. Your patience, understanding, and encouragement will go a long way in the process of teaching your child to drive. Communicate effectively with your teen to help them learn and retain the skills they need to drive safely and keep their auto insurance rates low.

    • Emphasize the positive. Praise your teens for things they do correctly. When mistakes are made, gently and briefly explain what was incorrect, and why it could cause a problem.

    • Stay on task. Now is not the time to discuss why the trash wasn't taken out or the dishes aren't done. Your child is learning a new skill. Save other important discussions for another time, and focus solely on driving.

    • Plan your lessons. Let your teen know exactly what you'll be doing ahead of time. For instance, you may choose to focus on parallel parking and proper use of signals one day, or driving at highway speed and merging into lanes on another.

    • Cover off-road information. Your child's driving behavior will influence other areas of their life. Explain both negative and positive consequences related to driving, such as speeding tickets or auto insurance hikes or reductions.

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