Most parents have concerns about allowing a teen driver to get behind the wheel of a car. Keeping them safe on the road is a top priority, as inexperienced drivers may be more likely to be involved in an accident.
Even the best teenage drivers often lack the judgment that comes with experience, which can lead to dangerous practices like speeding and tailgating. Additionally, teens can be more likely to engage in risky driving behaviors, such as eating, using cellphones and not wearing seatbelts.
How to Help Ensure Your Teen Driver’s Safety On the Road
Parents of new drivers can take steps to help ensure their teen driver’s safety, including the following:
- Choose a safe car. Check your teen’s vehicle’s safety ratings. Avoid small cars that may be more prone to damage in an accident, high-performance vehicles that may encourage reckless driving, and trucks or SUVs prone to rollovers.
- Enroll your teen in a driver’s education course. Driver’s education courses can help build your teen’s confidence and improve their ability to handle challenging situations behind the wheel. Enrollment may also earn a discount on car insurance premiums.
- Consider a safe driver program. These programs may include parent-teen driving contracts, which outline responsibilities and consequences for the young driver. Completing such a program could qualify you for a car insurance discount. Some insurance companies subsidize electronic devices that monitor driving habits and alert parents to unsafe practices.
- Discuss the dangers of drugs and alcohol. Emphasize the importance of never drinking or doing drugs, and explain the perils of getting in a car with someone who has. Encourage your teen to call you for a safe ride home in such situations.
- Address distracted and impaired driving. Talk to your teen about the risks of distracted driving, such as texting or talking on the phone while behind the wheel. They should also be responsible passengers in their friends’ cars.
- Be a good role model. Lead by example. Wear your seatbelt consistently and never drink and drive. Your responsible driving habits help set an example for your teens.
- Make decisions according to your teen’s level of maturity. Consider your teen’s ability to focus and willingness to take risks before allowing them to obtain a driver’s license.
How to Get Insurance for Your Teen Driver In Georgia
Georgia requires all drivers to maintain minimum amounts of auto insurance coverage. The limits are subject to change anytime, so it’s wise to consult your agent when building an insurance plan for your teen driver.
Many Georgia drivers start with bodily injury and physical damage liability insurance policies, which may help cover the driver’s legal liability for third-party claims after an at-fault accident up to the policy’s limits. Uninsured motorist insurance is also available in Georgia. This coverage may help pay for damages if another driver is responsible for an accident but doesn’t have enough liability coverage or is uninsured.
If you lease or finance the vehicle your teen drives, the lienholder typically requires full coverage insurance, which may include comprehensive, collision and guaranteed asset protection (GAP) coverage. Your agent can help you get appropriate car insurance coverage for your situation.
Contact Peachstate Insurance in Atlanta, Georgia, to start comparing car insurance quotes for your teen.
This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.