Insurance tips for Parents

Given are insurance tips for parents to follow.

Know the local and state laws related to drivers under the age of 21

You need to be fully aware of when your young driver can drive and who can be in the car with them. Laws vary from state to state and you should know what the laws are so you can make sure that your child does not break them.

Mandate driver education for your young driver

You may be excited that you are the best driving instructor around and that your child passed their driver exam and road test on the first try, however that does not mean they shouldn’t take a driver education class. Many schools offer low cost classes and you can learn about other options from your local DMV office. Most insurance carriers offer auto insurance discounts when driver education classes are taken by drivers on a policy.

Avoid distracted driving

Thousands of accidents happen every year due to someone being distracted when behind the wheel of a car. This can happen from talking on phone, texting, adjusting the radio or even talking with your passengers. It is very important that you have a serious discussion with your child about this and take steps to minimize the chance of this happening. The easiest way to make sure you are paying the optimal amount for your car insurance is to avoid having any claims. No claims also means your child will be safer when behind the wheel and your auto insurance premiums will be lower.

Teach your young driver to drive in a defensive manner

It seems that most drivers say, I’m a good driver, I wish everyone was as good as me. Having this attitude is a mistake and can lead to overly aggressive driving and a higher risk of accidents. All drivers, young and old, should assume that everyone on the road is a bad driver and drive in a defensive manner. This means, they are cautious and don’t assume that the response time and skill of other drivers is the same as their own.