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Teens & Insurance
Vehicle Safety
If your teenager has received a driver's license, it may be difficult
to hand 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.
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 (III) say there is something worried parents
can do to protect their teens — choose a safe vehicle.
- Avoid vehicles that encourage reckless driving. Teen drivers
not only lack experience, but may lack maturity. As a result,
speeding and reckless driving are common. Sports cars and other
vehicles with high performance features, such as turbocharging,
are likely to encourage speeding. Choosing a vehicle with a
more sedate image will reduce the chances your teen will be
in a speed-related crash.
- Don't get a vehicle that is prone to rollovers. SUVs, especially
smaller ones, are inherently less stable than cars because of
their higher centers of gravity. Abrupt steering maneuvers —
the kind that can occur when teens are fooling around or over-correcting
a driver error — can cause rollovers where a more stable vehicle
would, at worst, skid or spin out.
- Pick a vehicle that offers quality crash protection. Teenagers
should drive vehicles that offer state-of-the-art protection in
case they are involved in an accident.
- Don't let your teen drive a small vehicle. Small vehicles offer
much less protection in crashes than larger ones. However, this
doesn't mean you should put your child in the largest vehicle
you can find. Many mid- and full-size cars offer more than adequate
crash protection.
- Steer clear of older vehicles. Many of today's vehicles are
better designed for crash protection than vehicles of six to ten
years ago. For example, a newer, mid-size car with airbags is
a better fit for your teen than an older, larger car without airbags.
Before making a decision on the vehicle your teenager will drive,
check with the U.S. Department of
Transportation or the Insurance
Institute for Highway Safety.
Information provided by Insurance Information Institute.
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