Skip Navigation

Keeping Auto Insurance Down: The importance of teaching teen drivers

Teen DriverThe first step to becoming a real licensed driver is to get a permit. For most parents, this is a scary time. In Maryland, a student can get a driver’s permit at the age of 15 and 9 months (though if they’re under the age of 16, they have to show proof that they’re in school). Parents will then spend the next year or so teaching their teen to be a good driver for safety purposes, low auto insurance purposes, and to hopefully perpetuate better driving habits and bring teen accident statistics down through the next generation. As a parent, there are some things you should know about teaching your new driver how to be competent on the road.

  • Prepare for the permit – There are quite a few requirements for your teen to get a learner’s permit. Your teen will need to study the permit manual in order to take the test and be prepared for his or her first few times on the road.
  •  Schedule Driver’s Ed – A driver’s education course is mandatory in the state of Maryland. It will also help keep your insurance rates lower and give you some peace of mind that your teen has a solid foundation for learning to drive. Driving with someone else (who has a brake on the passenger side of the car and is professionally trained) will give them a chance to get learning tips and perspectives from someone other than their parents.
  • Log the hours – It can be tempting to fake the hours on the log that has to be turned in for your teen to take the driver’s test, but it’s important that new drivers are allowed to log all of the required hours and are able to drive in different situations. The more experience your young driver has with a licensed adult in the car, the more likely they are to make good decisions on their own later.
  • Let your insurance know – When you first register your new driver on your auto insurance, your rate won’t go up since he or she will be registered as a non-driver until a full license is obtained.  Have a sit down with your teen and your insurance agent so that you can both explain the importance of safe driving and why all of the lead up to getting a license is necessary.
  • Schedule the driver’s test – You’ll want to do this well in advance, especially in Maryland, since it can take a while to get a date. Make sure your young driver is prepared by that date by logging lots of hours in your vehicle and doing mock driver’s tests.

We know the importance of family at Wachter Insurance Agency and we want to make sure that you’re keeping yours safe and protected with good driving skills and auto insurance.

Wachter Insurance Agency opened its doors in 1969 and incorporated in 1996. A family owned and operated agency—now with the 3rd generation actively participating. We are an independent agency representing the ERIE Insurance Group, Progressive, AIC – Agency Insurance Co., Foremost, Chesapeake Employers Insurance, and Wright Flood. Offering auto, home, motorcycle, boat, flood, business and life insurance coverage. If you have any questions about our blog, Keeping Auto Insurance Down: The importance of teaching teen drivers or you’d simply like to talk to a representative, please feel free to contact us at 301.371.6335.

Sources: (Bitter) Sweet 16 Series: One Mom’s Drive to Survive

MVA of Maryland

This entry was posted on Wednesday, March 12th, 2014 at 6:31 pm. Both comments and pings are currently closed.