Consider what happened to this new driver:
"Shortly after I got my license, I rear ended someone at 20 mph. I was changing the radio station in my car. And to this day I can't explain how the other driver was able to stop so fast. Luckily, no one was hurt. But I haven't changed the radio while driving since." Nick.
Substitute talking on a cell phone, texting or changing songs on an IPOD and you have a few of the mistakes teen drivers can make while driving.
Protect Your Assets with an Umbrella Policy
What if your teen gets into an accident and the other driver sues for more than your auto policy limits?
You may want to consider discussing the benefits of having a Personal Umbrella Policy (PUP) with a GDI Insurance representative.
If you're ever sued, your auto policy will provide you with liability coverage including attorney's fees and judgments up to the policy limit.
But in a litigious society like ours, that may not be enough. PUP coverage kicks in after you reach the limit on your underlying auto policy.
GDI Insurance can help explain how this important coverage can protect assets that you've built up over the years.
Teen Driver Monitoring System
Have you ever wondered how your teen drives when you're not around? Is he or she obeying traffic rules and driving defensively? Is he or she where they claim they are?
These are questions that create worry lines for parents.
There are three ways you can monitor your teen:
- Place one of those "How am I Driving?" decals on the car. The decal includes a phone number. The company provides you detailed reports on any calls.
- Install a GPS device on your car. Then log onto the internet to always know where your teen is and the driving speed. Other available features include ignition disabler's and remote door locks/unlocks.
- Draw up a contract between yourself and your teen. The contract would spell out driving rules you both agree to.
If you're considering this route, GDI Insurance can help you sort out the options and prevent too much worrying.
Insurance Friendly Cars for Teens
Your teen wants a car. After reviewing grades, behavior, driving habits, you decide it's time but that the car will be in your name and your teen will be on your policy.
You know it's not only the car model you have to consider. You also have to think about the impact the car will have on your auto insurance.
Insurance companies rate vehicles in different categories. For example, they may rate them for:
If the damage and theft car scores are good, the collision and comprehensive insurance costs will be lower than other cars.
If the liability portion scores well, you'll pay less for the bodily injury and property damage liability portion of your policy.
Because they represent many different companies, your GDI Insurance person can help you make the right decision when buying that first car for your teenager.
Find an Insurance Pro Who Knows Discounts!
In addition to helping point out how different cars can affect your car insurance, GDI Insurance will help you find auto insurance discounts. They're out there, even with a teenager on the policy.
Some discounts include:
- Accident Free
- Good Student
- Driver Training
- Safe Driver
Insurance companies price differently and because GDI Insurance represents several of them, we know all of the discounts.
We'll make sure you do, to!
This is a quick note from Grant, I saw this video and it is a bit graphic. But I would watch this and then watch it with your young drivers. In our town Turlock, CA we have had many high school kids have very serious and fatal accidents because of drug or alcohol use. If you click here you will go to a you tube site to watch this video.