Most everyone knows that teenage drivers are the most expensive to insure. There’s a reason for that and it’s that teens engage in more risky driving behavior than any other group.
As parents, there is something you can do to help. Talk to your teens about risky teenage driving behavior. Even if it seems like they are not listening, they are, and it’s worth taking the time to talk about.
Here’s what to talk about:
It’s a well known fact that teenage risky driving behavior is kept in check when parents and other adults are in the passenger seat. It’s only when other teenagers are in the passenger seat that risky driving increases. This is due to both peer pressure to speed, drink while driving, etc and wanting to impress friends with risky behavior. Combine peer pressure and the desire to impress with a lack of experience and it’s a dangerous combination. Many parents combat this by limiting or refusing to allow their teenage drivers to have friends in the car and it makes sense because with each additional teen in the car, the risk of an accident occurring is significantly higher.
1 teen passenger in the car is 30% higher
2 teens is 69% higher
3 teens is 120% higher
4 teens is 186% higher
So, if you have one teen driver and four teen passengers, the driver is 186% more likely to have an accident.
- Drunk Driving
Car crashes are the leading cause of death for teenagers. Not only that, but the amount of car crash fatalities for teens exceeds all the other leading causes of death combined. Fatal crashes involving underage drinking make up almost 20% of all fatal crashes involving alcohol. Drunk driving destroys a lot of families every year, and not just for the drunk driver and their passengers, but also for fatal crashes involving two or more vehicles.
- Distracted Driving
There are many different types of distracted driving that teenagers engage in, such as “fooling around”, goofing around, texting, arguing, making calls, and focusing more on talking than on driving.
In many states including WV, not only is texting and making calls dangerous, it is also illegal.
- Seat Belts
Many teens do not wear seat belts. This is for a variety of reasons, such as rebellion, looking cool to their friends, and unfortunately for some, because it was never enforced by their parents. The use of seat belts drastically reduce the risk of fatalities in vehicle crashes.
In addition to talking to your teen about the effects of passengers on risky behavior, drunk driving, distracted driving, and seat belts, perhaps the best thing you can do to influence the driving behavior of your teen, is to be a good role model yourself. That means that you avoid speeding, drunk driving, texting and talking on your cell phone, and other distractions. It also means you always wear your seat belt and enforce the rule for passengers.
Contact Yeager Insurance today to see how we can help with your families car insurance needs at 304-757-3900 or request a Free Quote now.