Summer is Over… and that Means More Teens on the Road!
Summer will officially be over on September 21, but most kids in Colorado have already started the school year. While most parents can’t wait for their children go back to school, some who have teens are a bit apprehensive. Why? Because many teens will be driving themselves to school for the very first time. This can make parents of new drivers very nervous and makes auto insurance for teens top of mind.
It’s Important to have the Right Auto Insurance Coverage when You Have a Teen Driver
Not only are your teens new drivers, but navigating a high school parking lot can be overwhelming for teenagers. Any time hundreds of young drivers are grouped together in a parking lot, accidents are sure to happen. This is just one reason it’s important to make sure you have adequate auto insurance when you have teen drivers. In other words making sure you have adequate auto insurance for teens at this time of year is especially important!
According to the National Highway Safety Administration, “Young drivers, ages 15- to 20-years old, are especially vulnerable to death and injury on our roadways – traffic crashes are the leading cause of death for teenagers in America. Mile for mile, teenagers are involved in three times as many fatal crashes as all other drivers.”
Here are some other scary facts about teen drivers:
- Teens (16-19) are 2.5 times more likely to get into an accident than the next highest risk age group (20-24).
- The likelihood of a teenage driver’s being in an accident increases with each additional passenger in the car.
- Youthful drivers pay the most for auto insurance because they are the highest risk.
So, Mom and Dad… get ready for your rates to go through the roof when your teen is a fully licensed driver! But auto insurance for teens can be kept under control if you are careful.
What You Can do to Reduce Your Policy Rates for Auto Insurance for Teens
- Enroll your teen in a driver education class. Completing this type of class can often result in an auto insurance discount.
- Make sure your teen focuses on school. Good grades can earn your teen a “good student” discount with most insurance carriers.
- Avoid high risk cars. Although your teen might think it’s cool to drive a fast sports car when they are in high school, it can drive up your rates.
- Limit your teen’s passengers. Only allow your teen to drive alone or with a maximum of one other person in the car. Fewer people in the car means fewer distractions.
- Do not allow your teen to use a cell phone while driving. No texting either!
- Encourage your teen pay for his or her own auto insurance – or at least part of it. If teens pay for it, they’re likely to show more respect for their driving privilege.
Colorado Driver’s License Requirements
In order to obtain a driver’s license in Colorado, a teen must:
- Hold a permit for at least 12 months
- Be at least 16 years old
- Complete and sign a drive time log
- Get a 6-hour behind the wheel certificate if they are younger than 16 years, 6 months
- Pass a driving test
- Provide their social security number to the Department of Motor Vehicles
- Show their proof of address
If your teen is just getting behind the wheel, please call us to review your auto insurance. We appreciate the stress parents feel with new teen drivers. Our goal is to increase your peace of mind by helping you have the right auto insurance in place to protect your teen and manage your risk. Call us at 303-777-2991 or e-mail us today.