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The Centers for Disease Control and Prevention

have stated that car crashes are the number one cause

of death for teens. The actual numbers associated with

this statistic are scary and break down to this one

statistic: one in three teen deaths will be caused by

motor vehicle crashes.

Unfortunately, many of the causes of these crashes

are avoidable and are the result of certain patterns of

behavior that teens tend to exhibit. They are patterns

that insurance companies know about and rate policies

higher because of. As an example, teens show a

consistent pattern of underestimating dangerous and

hazardous situations. And they do so more often than

older, more experienced drivers. They also tend to follow

vehicles more closely than older drivers and are less

likely to wear seatbelts. Each of these behaviors can

easily cause an accident and is something that can be

proactively changed if the teen is taught to do so and

willing to do so.

This is why insurance companies charge such high

premiums for teen drivers. But there are things that you

can do to help reduce your teen’s insurance premiums in

the face of all these additional risks.



Get them to take driving lessons: Driving

lessons will teach your teen how to better handle and

react while in dangerous and stressful road situations.

They may also reduce your insurance premiums.



Enforce the rules: Teach your teen to drive the

way they should be driving and hold them accountable

when they don’t. While this may not lower premiums

initially, their avoidance of accidents will ensure that they

have decreasing premiums over the years.

Posted 11:23 AM

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