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| Is this in your future? |
Teenagers and Safe Cars
If your teenager has just gotten a driver’s license, it may be hard to imagine handing over the keys to your brand new car, but that may be the smartest vehicle to choose.
The first years teenagers spend as drivers are very risky. In fact, teen drivers have the highest death rates of any age group. In 2007 4,946 teenagers died in motor vehicle crashes, and many more were left severely and permanently injured by crashes.
While getting a driver’s license is an exciting rite-of-passage for teens, it can be enough to make a parent frantic. However, the Insurance Institute for Highway Safety (IIHS) and the Insurance Information Institute (I.I.I) say there is something worried parents can do to protect their teens-choose a safe vehicle.
For more tips on safe cars click here
Ways to Keep Insurance Premiums for Teens as Low as Possible:
A number of factors are taken into consideration when insurance companies set rates for automobile policies. Among those factors are the types of vehicle and the age, gender, and driving record of the insured. Companies pay close attention to the number of accidents a driver has had and the traffic tickets (from speeding, running a stop sign, etc.) received. In their view, past performance serves as a meter for future behavior- therefore, these drivers pose a higher risk.
Source: Insurance Information Institute; www.iii.org
When should teens start driving?
Any parent who has lain awake
…click here for more
Tips for Teen Drivers from Travelers Insurance
Safe driving is everyone’s responsibility. consider that over half of all motor vehicle accidents could be avoided if drivers make intelligent driving decisions. As new drivers, you are most at risk because you lack the experience (and sometimes the maturity) to make intelligent decisions at critical times. Strive to form good driving habits early, and they’ll last a (long) lifetime!
Consider these sobering statistics on teen driving:
~Automobile accidents are the number one killer of our nation’s
youth
~Drivers under the age of 20 were involved in 13% of all
accidents, yet they account for only 5% of all drivers
~Alcohol is responsible for almost half of all teen motor
vehicle deaths.
~25% of all teen accidents involve speeding.
~Half of all teenage traffic fatalities occur between 6:00 p.m.
Friday and 3:00 a.m. Sunday.
~In one year, drivers 19 and under were involved in close to 3
million motor vehicle accidents.
~The price of a bad decision can include injury to yourself or
others, loss of life, loss of life style or loss of personal
freedom.
For Ways to Help Prevent Accidents
click here
It’s a Great Time for a
Back to School Insurance Revieww
(for the student in all of us!)
Annually we send our clients a Homeowners Check-Up Form. This homeowner Check-Up Form is a tool to help us determine if you have made any recent changes that have left gaps in your coverage or made you eligible for any discounts. By completing and returning this form then we are better able to serve you.
Having your home insured to its full value is one of the most important things you can do. As building material costs rise, rebuilding becomes more expensive, often outpacing inflation. We are happy to do a review of your Home Insurance value at any time.
As you are aware, every insurance policy is subject to certain exclusions and limitations of coverage. We strongly urge you to read all policies carefully and thoroughly, particularly the sections entitled “Exclusions” in order to avoid any misunderstandings regarding the scope of your insurance policy.
Give us a call at 972.758.1100 to discuss the Homeowner’s Check-Up Form or your policy. We look forward to hearing from you!
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