For a parent, some of the scariest moments in life come from new experiences. Teen driving is one of those situations that many parents dread. However, there are things that you can do to ensure that your teen is a good and safe driver – and it can even make a difference in the cost of your Fall River car insurance policy. Start by working with your local Fall River insurance agent to discuss your options. Let them know when your teen will be “of age” to start driving and learn all you can about programs that are available and potential discounts for MA car insurance coverage. This will help you to prepare your teen for driving and ensure that you get the best possible rate and coverage for auto insurance in Fall River at Paul Sullivan Insurance Agency.
Tip #1 – Safe Driving Course
These three words are perhaps the most important for the parent of a soon-to-be teen driver. While this course used to be offered as part of public school education, most schools are no longer offering “driver’s ed” as part of their curriculum. Check with your Fall River insurance agent for approved courses that can be used to offer a discount for your MA car insurance coverage. Additional safe driving course programs can also be taken online to increase knowledge and awareness for teens.
Tip #2 – Encourage Responsibility
Some families institute a policy concerning teen driving that requires good grades or the financial ability to pay for their portion of the increased Fall River car insurance premium to get a license. A part-time job after school and on weekends can help many teens afford to cover their own MA car insurance coverage. Good grades can help to earn discounts with some providers, in the form of a “good student discount” for a 3.0 GPA or higher. Check with your Fall River insurance agent to find out if this discount is available in your area.
Tip #3 – Be a Good Example
While the truth is that your child has likely watched your driving patterns closely since they were very small, but the more you can do now to lead by example with good driving habits, the easier it will be to encourage them to do the same. Follow the rules of the road, be a safe and courteous driver, and always use your turn signal – even in parking lots. Don’t use your cell phone while driving and consider putting it away inside a closed console or glove compartment to keep it out of immediate reach. Anything you can do to show your teen good driving habits will be noticed.
Tip #4 – Clean Driving Records
Talk with your teen about the importance of having a clean driving record. Make sure that they know that every single infraction will put a blemish on their record and increase the cost for Fall River car insurance premiums – even in the future. For some teens, saving money is a huge incentive that will help them to focus and be better drivers for a lifetime.
Tip #5 – Discuss Drinking and Driving
Even if you think your teen will never drink underage or participate in underage drinking and driving, you need to bring up this topic and discuss it with them completely. Ignoring teen drinking or skipping this conversation because you trust your child could have some extremely unfortunate results. Be firm about your family’s no-drinking-and-driving policy and give your child the tools they will need to stick to it in the future.
Tip #6 – Create a Responsibility-Based Program
Studies show that the most significant contributing factors to teen accidents include nighttime driving, the number of passengers, and other distractions. Start by supervising your teen’s driving and once you are confident that they have the skills necessary to do it on their own, provide them with the ability to drive to school or run errands without supervision. Earning each level of responsibility can be a positive experience for both teen drivers and parents. Restrict nighttime driving for the first year – or until they prove their ability. No driving after dark or after 8 pm can be helpful for young drivers. Consider limits on the number of passengers to prevent distractions that could lead to an accident.
Tip #7 – Buy a Safe Vehicle
Consider getting a new or used vehicle that has a high safety rating. Antilock brakes, front and side airbags, and other advanced safety features can provide you with peace of mind when your child is out driving in the world. You might even be able to get a “safety device discount” on your MA car insurance coverage, so make sure to speak with your Fall River insurance agent to find out if this is a possibility. It could help you make a more informed choice when shopping for new vehicles for your teen driver.
Tip #8 – Improve Communication
Get better at discussing essential topics with your teen, such as distracted driving, drinking and driving, safe driving habits, and having the confidence to stick to family rules. The more open you are with your child, the easier it will be for he or she to be more open with you about their feelings and concerns. If your teen is not mature enough to drive, don’t be afraid to say so. Their entire life won’t be ruined if you wait until 17 or 18 to start teaching them how to drive – no matter how much they insist it will.
Call Paul Sullivan Insurance Agency
If you need a FREE QUOTE for auto insurance in Fall River or would like to discuss your existing policy for MA car insurance coverage, give us a call at 508-678-9611. We offer coverage in the Southeastern Massachusetts region, including Fall River, New Bedford, Wareham, and surrounding cities. Call today for the best rates and coverage options on Fall River car insurance at Paul Sullivan Insurance Agency.