As parents of new drivers, many are feeling a mix of emotions. There’s pride and excitement, but also a lot of worry. Questions about safety loom large. Will their teen drive carefully? What if they get distracted? And how much will this impact insurance costs?
These concerns are understandable, especially since the first year of driving is statistically the most dangerous for teens. Fortunately, there are tools available to help ease these worries, lower risks, and potentially reduce insurance premiums. One effective option is the teenSMART® program.
Adding a teen driver to your insurance policy often results in higher rates. This is largely due to the increased risk associated with young drivers. Statistics show that teens are three times more likely to be involved in fatal crashes compared to drivers over 20. They are also more prone to distractions, particularly from phones and passengers. Additionally, teens are still developing critical judgment skills needed for safe driving.
Insurance companies adjust their rates based on these risks. However, parents can take proactive steps to reduce these risks by investing in proper driver training. Programs like teenSMART® can make a significant difference.
teenSMART® is a nationally recognized, computer-based driver safety course that helps teens develop essential driving skills. It goes beyond traditional driver education by focusing on decision-making, awareness, and risk avoidance. The program includes interactive modules, real-life driving simulations, parent-teen driving activities, and a final assessment to certify completion. Best of all, it can be done at home at the teen’s own pace.
The benefits of completing teenSMART® are not just about safety. Studies indicate that teens who complete the program can reduce collisions by up to 49%, lower bodily injury claims by 51%, and decrease traffic violations by over 50%. Such improvements are noticed by insurance companies, and many offer discounts for teens who complete the program, sometimes extending these savings through age 21.
For parents, enrolling their teen in teenSMART® can provide peace of mind. It equips young drivers with skills that can save lives while also helping to manage insurance costs. Central Insurance, among others, actively supports this program, recognizing that education can lead to better outcomes for families.
In conclusion, for those navigating the challenges of having a new teen driver, programs like teenSMART® offer a practical solution. They not only help to build safer drivers but also help families save money on insurance premiums.