- Let your teen drive the safest car you own. Safety features like air bags, anti-lock brakes and larger cars reduce the risk of injury. In addition, rates will be lower if the teen is driving a “family” car and not a high-performance model.
- Make it clear that drinking and driving is unacceptable. In addition to the obvious dangers, your child needs to realize that a DUI most likely will mean the only insurance option will be a high-risk carrier with corresponding higher rates. Also remind your teen driver of the future importance of a clean driving record.
- Look for “good student” discounts.
- Remind your teen that seat belts must be worn and this includes seat belts for all passengers. Besides increased safety, this limits the temptation to pile too many teens into a car.
- Establish house rules for driving hours. About 40 percent of teen driving fatalities occur at night, especially
weekend nights. - Ease your child into challenging situations and add driving privileges as the skill level improves
Source: Kentucky Public Protection Cabinet/Department of Insurance