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.