Products: Auto Insurance: Teen Drivers
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Young driver car insurance quotes are not all created equal. The cheapest young driver car insurance may not be best for you. Farmers Union is a young driver auto insurance company making a difference in our new driver's lives.

Developing a Safe Driver

Teenagers perceive a driver's license as a ticket to freedom. It's momentous for parents too, who are relieved not to have to chauffeur their youngsters around anymore. But the price is steep. Crashes are the leading cause of death among American teens. Newly licensed 16-year-olds are the least prepared drivers on the road. They often believe risky driving in familiar situations is not dangerous or that they can cope with any unexpected developments. According to the Insurance Institute for Highway Safety, Fatality Facts 2005:
  • 5,288 teenagers ages 13-19 died in motor vehicle crashes
  • 61% of teenager passenger deaths occurred in vehicles driven by another teenager
  • 54% of teenager motor vehicle crash deaths occurred on Friday, Saturday or Sunday
  • Half of teenager motor vehicle deaths occurred between 3 p.m. and midnight
  • 25% of fatally injured teen drivers had blood alcohol concentrations at or above 0.08%
  • Seat belt use reduces the risk of serious or fatal injury to front seat passengers by up to 45%-50%
Parents, once your teen is licensed, your job is far from over. That's when it's time to kick into surveillance mode. Keep your eyes peeled and your ears open. What you see and hear - and how you respond to it - could save your child's life. Driving privileges should be phased in to restrict beginners' initial experience to lower risk situations. As your teen driver becomes more experienced and mature, restrictions can gradually be lifted.

Setting a good example when you drive.

It is much more likely that your teen will drive calmly and courteously, use a seat belt, pull safely off the road to use the cell phone, and obey the speed limit if you do.

Working with your teen's Driver Education instructor.

Find out how your teenager is performing in class and which skills he or she needs to work on. Ask for a copy of the Driver Education curriculum.

Providing a safe car to practice in.

Take your teen along for a lesson in car maintenance if your car needs a tune-up. This is a good time to talk about the costs of maintaining and insuring a car, and whether or not your teen needs to contribute.

Meeting with your teen and your insurance agent to discuss the costs and responsibilities of driving a car.

Research shows that teens who pay for a portion of the maintenance and insurance of the family car are more likely to be safe drivers.

Taking your teen to get a license only when you both agree the time is right.

Some teens may not be ready for a license even though they are eligible. You need to decide when your teen has demonstrated the skills and attitude to be able to drive without an adult.

Downloadable PDF of Contract
Downloadable PDF of Driving Test
Downloadable PDF of Booklet

Farmers Union Insurance | 5619 DTC Parkway, Suite 300 | Greenwood Village, CO 80111 | 800-347-1961
www.FarmersUnionInsurance.com

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