Insurance Insights: Focus on Teen Driving
According to a recent study by the AAA Foundation for Traffic Safety, which used dashboard cameras to document the behavior of teenage drivers over the past eight years, 60 percent of crashes involving teens are caused by distracted driving. To the surprise of researchers, the leading distraction for teens is other passengers (accounting for 15 perfect of teen driver accidents), compared to 12 percent caused by texting or talking on a cell phone. The primary takeaway from this research is that adding a passenger to a vehicle driven by a teenager increases the risk of driver distraction and risky behavior. Teens and their parents must come to grips with this problem in order to make the roads safer for everyone.
When it comes to insurance rates, you have some say in how much you’ll have to pay. Maintaining a superb driving record means you won’t have to file any claims, which keeps your rates down. Other factors that determine your individual rate include car make and model, credit, age and gender, policy options specific to the insurance carrier, and location. If you have any questions about auto insurance, please give us a call.
Quick Tip: Complete bans on wireless devices for drivers under age 18 is now the law in 30 states. Consider a manual vehicle when looking for a teen’s car. Manual shifting makes it much more difficult to text and drive!