The Challenges of a Teen Driver on Your Policy & How to Keep Them Safe

by Charles River Insurance on Jan 25, 2022 10:49:02 AM

As a parent, you want to do everything in your power to keep your children safe. This is especially true when it comes to Teen Drivers. Teen drivers are one of the most high-risk groups on the road and account for a large number of car accidents every year. In this blog post, we will discuss the challenges of having a teen driver on your policy and offer some tips on how to keep them safe behind the wheel.

One of the biggest challenges for parents is finding affordable car insurance coverage for their teen driver. Teen drivers are considered a high-risk group, and as such, can be expensive to insure. However, there are a few things you can do to help keep your premiums down. First, let Charles River Insurance shop around and compare rates from different insurers. We have relationships with many carriers and know where to look for the best coverage a teen can get. Also, consider raising your deductible. This will help lower your premiums, but you will have to make sure you have enough money saved in case of an accident.

Another important thing to keep in mind is that Teen Drivers need to practice safe driving habits once they're behind the wheel, or your coverage will likely skyrocket. There are a few things you can do to help them stay safe on the road. First, set rules and limits for your teen driver. Make sure they know what is and isn’t allowed when driving. Massachusetts law states that for the first six months with a license, new drivers under 18 may not drive a car with any passenger under 18 unless the new driver is accompanied by a person who is 21 years of age and: 1) Has at least one year of driving experience. 2) Holds a valid driver's license. 3) Sits in the seat beside the driver.

Additionally, being able to track your teen's driving habits can provide peace of mind for parents, and a discussion topic between new drivers and their parents. Many carriers now have phone applications that monitor driving habits, provide feedback, and some even reward good behavior with Amazon gift cards. Make this a prerequisite for your teen driver if it is offered by your carrier. Ask us about it when we add your driver to your policy!

It is also important to make sure they are familiar with the rules of the road. Teach them how to drive defensively, and how to handle difficult situations on the road. Be a role model for your teen driver. Show them that you practice safe driving habits yourself. Have a discussion about things you are seeing while you are driving and discuss the things you look out for. Your experience can help your teen driver grow.

If you are a parent of a Teen Driver, it is important to be aware of the challenges and risks associated with driving. By following these tips, you can help keep your teen driver safe on the road. And if you are looking for affordable car insurance coverage for your teen driver, be sure to give us a call or fill out the form below. We can help you compare rates from different insurers and find the best coverage for you and your teen!

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