Having the Insurance “Talk” with Your Newly Driving Teen
Having the Insurance “Talk” with Your Newly Driving Teen
If you have a tween or teen, odds are there have been discussions in your home about the birds and bees, storks and/or cabbage patches. Some of us get at least some sense of relief when our kids will say “Yeah, Mom, I already know about that stuff” or “Dad, they discussed that in health class”. We know it’s awkward but it is important.
As your teen approaches driving age, there is another discussion that is important to have. It is regarding having that insurance “talk” with your new driver. What should be involved in this driving discussion with your teen?
The importance of responsibility.
Growing up is like climbing a ladder. A ladder isn’t, of and by itself, dangerous, but it can be. Driving is like those first few steps climbing on the ladder. To be able to climb higher these initial steps need to be done safely and responsibly. There may be other people in the car. There are other drivers on the road. A car must be kept under control. A young driver can not only hurt themselves but others as well.
The ramifications of failing in those responsibilities.
Driving is not a video game that can be re-set. There are real life ramifications. When there’s a problem, someone could be injured or even worse. Vehicles or properties can be damaged. Insurance rates can be quickly impacted. Your new driver should understand the financial impact a teenage driver already has on insurance rates for a family. Should an accident or even a speeding citation occur in these early years, the negative financial impact can be dramatic. They should know this and understand that driving, is in fact, a privilege. If they make a mistake, it could impact their ability to drive. If they make an error in judgement on these first few steps in climbing the ladder to adulthood, it won’t necessarily stop them from climbing again, but it could seriously impact their timeline. They need to know and understand this.
Adding a new driver to the family can both be a blessing an a curse. Talk to your teen about responsibilities when driving and yes, even the realities of expensive teen driver insurance rates. It can be a good way to get them more sure-footed on that ladder to adulthood.
Are you adding a new driver? Let us compare car insurance rates to find you the best value. Contact our independent insurance agents today.
Do you have questions about your insurance? Find an insurance agent near you with our Agent Finder
Search All Blogs
Search All Blogs
Read More Blogs
Unwrapping the Wiener: A Deep Dive into the History and Lore of the Hot Dog
Beyond the bun: Discover the surprising history, varieties, and enduring appeal of America’s favorite tubular treat.
The Untapped Power of Collaboration: Why Asking for Help Fuels Business Success
Stop going it alone! Discover how leveraging the expertise of others can relieve pressure and drive your business forward.
Navigating the Grandparenting Journey: Understanding Today’s Families
Grandparenting today: Learn key shifts in family dynamics to build stronger connections with your children and grandchildren.
Mapping Our Paths: The Fascinating Reasons Behind Our Road Networks
The story behind the asphalt: Explore the geographical, historical, and planning influences that shaped our modern road systems.
Neighborly Navigations: Resolving Disputes in Non-HOA Communities
No HOA, no problem? Learn how to navigate neighborly disputes effectively in communities without formal management.
Vintage Years of Vision: Four Times Hollywood Hit Cinematic Gold
Like fine wines, certain years in film history stand out for their exceptional quality and the enduring impact of the movies they produced. This article explores four such landmark years, presented chronologically, that many cinephiles consider to be among the greatest in cinematic history.
Green Means Growth: How Environmental Responsibility Can Boost Your Business
It might seem like a secondary concern when facing immediate business challenges, but embracing environmentally friendly practices can actually be a powerful strategy for improving sales, attracting top talent, strengthening your brand, and even saving money. This article explores the tangible benefits of going green for your company’s bottom line and long-term success.
The Forgotten Beauty: Unearthing the Story of the Volkswagen Karmann Ghia
Beyond the iconic Beetle and the groovy Microbus, Volkswagen produced a surprisingly elegant and often overlooked sports car: the Karmann Ghia. This article explores the history, design, and enduring appeal of this “poor man’s sportscar” that has become a sought-after collectible.
Peace of Mind at Home: Building Your Essential Supply Stockpile
Recent global events have highlighted the importance of being prepared for the unexpected. This article outlines key non-perishable food items and essential household supplies that every homeowner should keep on hand to ensure comfort, security, and resilience during unforeseen circumstances.
Faded Glory: Remembering the Sports That Once Ruled Our World
Remember when these sports were huge? Take a trip down memory lane with harness racing, bowling, boxing, and poker, and explore their shift in popularity.