The following content was provided courtesy of Dairyland Auto®.
When teens learn how to drive a car, everything is new and things as simple as starting the ignition, operating the windshield wipers, and using the gas pedal must be learned.
Older drivers know the basics, but physical limitations, slower reaction times, and even memory issues may have an impact.
When dealing with a younger or an older driver, keep an eye on their driving habits, and act when needed. Here are some tips for teen and older drivers to help keep everyone safer on the road.
Learning to drive
Teaching teens how to drive properly and safely takes time and patience, but will help them be better prepared for their future on the road.
It's not as easy as it looks. The volume of skills and awareness a new driver is required to learn and pay attention to include:
Assisting New Drivers Driving will probably not come naturally to most teen drivers. Learning to drive is most effective with the assistance of an experienced driver. When your teen driver is on the road after having been properly educated, you gain invaluable peace of mind.
There are many simple things that can be done to help teen drivers:
By demonstrating good driving habits, you establish a proper driving foundation for your teen.
Why are rates higher for younger drivers?
No matter what age, everyone wants cheap car insurance. However, for the younger crowd, car insurance can be expensive.
Even though it might seem like it, insurance companies don’t have a bias against younger drivers. Rates are based on data. And insurance companies have decades of data they use to track trends and, in turn, formulate rates.
Additionally, some insurers use financial history as one part of an overall insurance risk score. Young drivers without a lot of credit history may experience higher rates due to a weak score.
On the flip side, data has shown that with more experience, the lower the risk. Thus—based on age alone—rates for experienced drivers tend to be lower.
As age increases, driving might become more challenging. Older drivers should be aware of how their age may impact their driving performance so they are best prepared to make changes if necessary.
Whether it’s recognizing physical limitations or allowing for extra planning and drive time, helping them re-evaluate their driving habits is essential to help ensure their safety on the road. Help older drivers do the following:
Being proactive and performing periodic self-assessments can make a big difference to keep them on the road as long as possible.
No matter the age of the driver, if in the situation of needing SR-22 insurance, make sure you shop around, as the fee’s associated can vary greatly by carrier.
Driving is great freedom at any age. With these safety driving tips, we can all enjoy that freedom even more.
Dairyland Auto® property and casualty coverages are underwritten by a member of the Sentry Insurance Group, Stevens Point, WI. For a complete listing of companies, visit DairylandInsurance.com. In Texas, coverages are underwritten by Dairyland County Mutual Insurance Company of Texas, Austin, TX. In California, coverages are underwritten by Viking Insurance Company of Wisconsin, Stevens Point, WI. Policies, coverages, benefits, and discounts are not available in all states. Savings based upon all available discounts. See your policy for complete coverage details.
This document is made available by Sentry Insurance a Mutual Company and its subsidiaries and affiliates (collectively “SIAMCO”) with the understanding that SIAMCO is not engaged in the practice of law, nor is it rendering legal advice. The information contained in this document is of a general nature and is not intended to address the circumstances of any particular individual or entity. Legal obligations may vary by state and locality. No one should act on the information contained in this document without legal advice from competent and licensed local professionals. THE INFORMATION CONTAINED IN THIS DOCUMENT IS DISTRIBUTED BY SIAMCO “AS-IS”, WITHOUT ANY WARRANTIES. SIAMCO WILL HAVE NO LIABILITY TO ANY PERSON OR ENTITY WITH RESPECT TO ANY LOSSES OR DAMAGES CAUSED, OR ALLEGED TO HAVE BEEN CAUSED, DIRECTLY OR INDIRECTLY BY THIS DOCUMENT, REGARDLESS OF WHETHER SUCH CLAIM IS BASED ON CONTRACT, WARRANTY, TORT (INCLUDING NEGLIGENCE AND FOR PROPERTY DAMAGE AND DEATH) OR OTHER GROUNDS.