The leading cause of teen death in the US is not disease or alcohol, it's car crashes. Because of that, their car insurance rates are very high. Here is an article by Joel A Paschall about this issue.
Protecting Your Teenage Driver With Auto Insurance
The Center for Disease Control and Prevention found that the leading cause of death for teenagers in the US is from motor vehicle crashes. And teenage drivers between the ages of 16-19 are four times more likely to be involved in an accident than older drivers.
But let's put aside all the frightening facts (which you're more than welcome to read using the reference link provided below) since you as a parent already know about the hazards of driving. Without scaring them too much, preparing your teenage child for what is obviously a tough-to-navigate road system full of haste and peril is the first priority. Make sure they're aware that they should take their driving responsibilities and privileges seriously. Start your teen out with low risk driving conditions such as limiting them to daytime use and no weekends. And support Graduated Drivers Licensing programs which have proven to decrease serious injury crashes.
We can prepare our teenage drivers for the responsibilities of driving until we're blue in the face. But, as much as there is to say about proper preparation and as much as we'd like to not think about it, accidents can still happen. So, if they follow the guidelines set before them by you as a responsible,loving parent, it's important to provide for them a bubble of protection around their car that cushions them if they run into trouble. A thick layer of insurance can supply the remaining piece of mind for all the unthinkable reasons out there. Give them the auto insurance protection plan they deserve.
It's not good advice to allow the state legislature to determine the amount of coverage you need. Their minimum auto insurance requirements are often nowhere near enough to make a bump in the road disappear. The right balance and quantities of liability, property damage, uninsured/underinsured motorist, collision, comprehensive, and theft coverage will provide enough padding for your teenager, their passengers, anyone else involved and yourself. Those are the most popular types. There are other types of car insurance coverages available so make sure to speak with your auto insurance agent about all of them. Your teen is worth it.
Teenagers tend to drastically underestimate the level of danger as well as fail to recognize oncoming hazards. Some of these hazards end up confronting our teens and force them to deal with an unpleasant situation. They keys are proper training coupled along side with ample insurance protection.
Resources:
The Center for Disease Control and Prevention: Teen Drivers Fact Sheet
Source: EzineArticles.com.
Hopefully you'll teach your teens to drive safely and help him or her lower the insurance rates.
Nadav
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