Hello responsible guardians!
First of all, good for you. Good job researching how to keep your teen driver safe. We hope we can help both you and your teen feel more confident about hitting the road with these tips.
- Driving rules for parents and teenagers
- Parent-Teen Driving Contract Template
- Functions for safe driving of vehicles
- Apps to track your teen driver
- Discounts on safe teenage driving
- Adding a teenage driver to your car policy
Before you hand your teen the keys, establish some ground rules together to keep them safe. Keep in mind that every teen matures differently and will likely need different rules to help them be a safe driver.
Some rules to consider establishing with your teen driver may include:
- No passengers, especially other teenagers
- Minimize distractions
- Make a list with your teen of specific things that can distract them (eating, music, phone calls, texting, and social media)
- Never drive under the influence of alcohol or drugs. Also, never get into the car with someone under the influence
- Follow the speed limit
- Require everyone in the car to wear a seat belt
- Stay at home during a set curfew
- Follow traffic laws and signals
Consider using videos and statistics from reputable safety organizations, such as the National Highway Traffic Safety Administration, to explain why these rules are important.
Create a driving agreement for parents and teenagers with our template
To help your ground rules stick, you can create a parent-teen driving contract. Your teen will sign the contract to show they understand and accept the terms of their driving privileges. Driving is a privilege and a responsibility, not a fun activity. To help you get started, we created this one Parent-Teen Driving Contract Template.
Equip your teen’s vehicle with safe driving features
In addition to setting rules for your teen’s driving, evaluate the car they will be using. Is it safe? Consider finding a vehicle with some of the newer safety features, if possible.
Some car safety features that can help your teen include:
- Automatic Emergency Braking (AEB)
- Reversing camera/360-degree camera
- Blind spot detection
- File Deviation Warning (LDW)
- Lane System (LKS)
- Forward collision warning
Use an app to track your teen’s driving
For ultimate accountability, consider using an app that tracks your teen’s speed, phone usage, and location. There are several options in the app stores; some of them are even free. For most apps, you’ll need to download the app on both your phone and your teen’s phone.
Some popular apps include:
- Mother Bjorn
- TrueMotion family safe driving
- AT&T driving mode
Some phones and apps out there may also have driving detection, which can track when certain apps are used while driving. So research your teen’s phone features to see what’s available.
We give discounts for safe teenage driving because it’s worth rewarding!
When you and your teen feel confident about their safe driving, we want to celebrate with you. That’s why we offer the following discounts on safe teenage driving.
You can work this into your parent-teen driving agreement as an incentive. If they achieve our discounts, you can reward them with a special treatment of some kind.
- Discount for monitoring teenage drivers: If your teen driver has a GPS unit attached to the vehicle they use the most or a qualifying app on their phone, they may qualify for this discount. You must provide proof of purchase or other documentation for the GPS device or qualifying phone app. Talk to your Bolder Insurance Advisor for more information.
- Good student discount: To qualify for this discount, your teenager must be a full-time student at a high school, college, university or vocational school (under age 25). They will also need to show us their report card or school to prove they are meeting one of these requirements:
- Ranked in the top 20% of his class
- Have a “B” average
- Have an average of three points on a four-point scale
- Included in the dean’s list or honors list
How do I add my teenager to my car policy?
Contact your Bolder Insurance Advisor and let them know you need to add your teen as a classified driver. They will need to know the vehicle they will be driving and their daily commute.
Summary: Helping your teen navigate the responsibility and privilege of driving is daunting. Set boundaries, make a contract, give them lots of practice, set a good example and keep the safe driving conversation going!
This information is provided by Auto-Owners Insurance, a Bolder Insurance partner