Finding the Cheapest Car Insurance for Young Drivers

We are supposed to devote our complete attention to driving safely, when behind the wheel of an automobile. Everyone knows this – we have all heard a tragic story or two about someone becoming distracted to the point of injury or death, yet many of us still consciously continue to allow ourselves to become sidetracked while driving.

Even the safest of drivers have at one time or another found themselves distracted by something that has taken either their eyes, or their mind, off the road and have put themselves/others at risk in the process.

Did you know that driver distractions are the leading cause of most vehicle crashes and near-crashes? The top 10 actions (alphabetically) that cause distraction while driving are:

Applying makeup or shaving.
Cell phone use – this includes text messaging.
Driving with a pet in your lap.
Eating or drinking, while driving.
Electronics – Fiddling with the radio station, CDs, iPod, or GPS.
Reading a map, book (yes, it happens), newspaper, or anything else.
Reaching for something.
Rubbernecking – looking at an accident or event along the side of the road.
Smoking.
Working – Business calls, writing or using laptop.

If not for listing these alphabetically, cell phone use/texting would have been listed as today’s number one distraction. It has become such a huge problem, that many states are adopting laws banning the use of cell phones while driving.

The solution is very simple. None of the above distractions are worth risking your life. Texting can wait. Talking can wait. Do your make-up and shaving at home, or in the bathroom when you reach your destination. Stop somewhere to eat. If you need to do something so badly that it cannot wait, then pull off of the road to a safe place before doing it. Simple.

Whether they want to admit it or not, all adult drivers have been guilty of one or more offenses listed above, which is often the reason young drivers pick up the bad habits. We should always remember to lead by example when driving with our teens, or our bad practices could come back to haunt us in the future.

It really does not take a rocket scientist to figure out why young drivers have higher car insurance premiums. Every year we hear about the crash statistics of teenage drivers, and they aren’t pretty. The Insurance Institute for Highway Safety says that 16-year-old drivers get into accidents approximately six times more often than drivers over 30 years of age, so it is no surprise that this age group is more expensive to insure.

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Developing safe driving skills is more difficult now than it was years ago for the parents of today’s teen drivers. From the increase in traffic on our roads to the number of electronic distractions (ie. Cell phones, GPS) in our cars today, focusing on learning good driving habits is challenging.

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If your hair hasn’t started to turn gray yet parents, the minute you hand over the car keys to your kid, it will for sure. Teaching a son or daughter to drive ranks high on any parent’s stress meter, and it only gets worse once they are behind the wheel by themselves the first year or so.

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