Get off the Sidewalk – I’m 16 and have a License!

Posted by idawrites on August 26, 2009 in Children, education, Insurance |

That phrase is written on keychains in gas stations and Dollar Tree stores all over the country.  I used to laugh at them… until our children turned into teenagers.  Our 3rd daughter is 16 and she’s had her permit for almost a year now.  In Georgia, teen drivers are required to have their permit for 1 year and 1 day before they can test for their license.  In just a few weeks, that time will be up for us.

Check Out NewlyLicensed.com!

Check Out NewlyLicensed.org!

Teen drivers are EXPENSIVE.   Between added fuel costs, added mileage related maintenance costs, and insurance, having a new teen driver in the house can rack up some serious expenses.

Luckily, insurance companies have several discounts available for teen drivers and parents doing the right things.  The requirements and discounts vary between insurance companies (and perhaps from state to state), but here are 3 ways to keep your insurance costs as low as possible for your teen drivers:

  • Good Grades – Most insurance companies offer a discount for a GPA of 3.0 or higher.  Anna has a 3.85!  We’re off to a good start.
  • Defensive Driving Courses – You’ll have to verify which Driving Schools are allowed by your insurance company, but this saves an average of 10% on your insurance rate.
  • Add them to your policy – Insurance is super expensive for teenagers.  You can save a huge chunk of money by simply adding them as a driver to your policy.

Besides insurance discounts, here are a few ways to keep from spending an arm and a leg on your new driver:

  • Teach them about hyper-miling!
  • Help them avoid accidents by getting them a Newly Licensed magnet or window cling. THESE ARE FABULOUS and keep the other drivers on the road from driving as aggressively around your (probably nervous) teen.
  • Teach them to do basic maintenance on their own vehicle. Changing oil, windshield wiper blades, and adding water to the radiator are easy things that anyone can learn.
  • Let them drive with you in the car, a LOT. There’s nothing like a parent in the passenger seat that keeps teenagers from breaking traffic laws and racking up fines, tickets, and/or accidents.

What things do you recommend to help us keep our teen safe while joining you on the road?

1 Comment

  • Susan says:

    I’ve been working on teen driving safety for 4 years and this was a great blog! Parents- put the Caution-Newly Licensed car magnet on your teen’s car,so others will BACK OFF and help protect them.
    Here’s another important thing to protect them- MAKE them put their cell phones in the back seat. Just taking their eyes off the road for a second- causes accidents.
    Kids that don’t use their cells think it’s okay to just take a look to see who’s calling or who texted them. This is all it takes.
    Laws are being passed and soon cell phones will be banned- but in the meantime- put them in the back seat and parents- be good examples- get off the phone.I know it’s hard- but soon it’ll be illegal anyway!

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