low car insurance rates for teen drivers - Spencer Insurance Agency, Inc

School is out! Time for that talk with your teen driver . . .

 

Summer brings a break from school and an increase in the time your teen drivers spend in the car.

Here are a couple tips:

  • Spend some time with your teen driver in teaching them how to merge onto an expressway or interstate highway and practice changing lanes. Many of us will travel to vacation spots and use interstate highways. Why not use this as a teaching moment for your teen driver.
  • Set the rules for Teen Driving. Remind them of the National Highway Traffic Safety Administrations “5 to Drive Rules.”
    1. No cell phones while driving
    2. No extra passengers
    3. No Speeding
    4. No Alcohol
    5. Always buckle up.

 

Most accidents are caused by driver inattention and distraction. Stress safe driving habits with your teen driver. Review the parent/teen contract on our website to set expectations for your teen driver

Check out our “Parents of teen drivers” website for more tips:

  1. Links to the PA, DE and NJ Motor Vehicle departments
  2. Tips and suggestions
  3. Safe teen driver course

Contact us today to make sure you have the coverage you need with a teen driver in your home.

“Why did my car insurance rates go up when I haven’t any accidents or claims?”

Teen Driver Insurance and Resources

 

We hear this question often from our clients.  Car insurance rates for all companies have increased over the last few years and I’d like to address some of the reasons:

  • While technology in cars can make them safer on the road, it also adds to the cost to repair the car. My new Camry has five cameras to help me back up and see what is around my car. It also has lane departure warnings and helps navigate me back into the lane. I also have headlights that move as I turn my car.  All these features are great but to repair a bumper or windshield is now a lot more expensive.
  • There are more cars on the road than ever before and with stable gas prices people are driving more. More driving leads to more accidents.
  • Distracted driving. Do I need to say more?  I was on the road the other day when the driver in the car next to me was holding his cell phone to his ear talking with one hand as he drank his coffee using the other hand.  Not sure how he was driving.  It used to be when one of our clients was rear ended at a traffic light they were hit at about 10 MPH. Now due to distracted driving, drivers don’t even realize the light is red and smash into the car in front of them going 40 or 50 MPH. This leads to much more serious claims and higher payments. Over the last three years our agency has had three claims over $500,000 in liability payments.  Fortunately for two of our clients they purchased an umbrella policy that we recommended.

All these factors contribute to the rise in car insurance rates. Our goal at Spencer Insurance Agency is to make sure you are paying a competitive price for your insurance coverage. We review your renewal policy to make sure it is not out of line.  As independent agents we have several companies to choose from for your auto insurance rates.  If you ever feel your rates are too high let us know. We will check it out.  If another company’s rate seems a lot lower please call to discuss the quote with us to make sure you are getting the same coverage.  The “True Cost of Insurance” is not just the premium but also the additional out of pocket costs you incur because you had the wrong coverage.

Contact Spencer Insurance Agency for a second opinion on your car insurance.

 

National Teen Driver Safety Week is October 15-21, 2017

Glenside Teen Driver Insurance

 

Spencer Insurance Agency wants to help you, the parents of teen drivers.  This was the reason behind the Spencer Insurance Agency’s Parent of Teen Drivers website.

Here are some statistics in an article by teendriversource.org:

  • 75% of serious teen crashes are due to critical errors such as:
    • Lack of scanning that is needed to detect and respond to hazards
    • Going too fast for road conditions
    • Being distracted by something inside or outside of the car.
  • Two or more peer passengers more than triples the risk of a fatal crash with a teen at the wheel.
  • Seat belts save lives. How many times have we seen local news reports where a passenger was thrown from the back seat of a car because he was not wearing a seat belt?

Spencer Insurance Agency can help the parents of teen drivers in many ways.  We currently have several car insurance companies with very competitive rates for parents with teen drivers in the Philadelphia area. These competitive car insurance rates mean you don’t have to sacrifice coverage to save money on your car insurance premiums.

Spencer Insurance Agency has a website designed for the “Parents of Teen Drivers.”  This website includes:

  • Tips and suggestions for parents of teen drivers
  • Information on some local driving schools
  • Links to Pennsylvania, New Jersey and Delaware DMV
  • Link to a Safe Teen Driver Course providing 16 hours of lessons. Most states require parents to drive with their teen drivers for at least 50 hours.  This course will help you in planning 16 of those hours.

Remember, the best way we teach our children to drive safely is by our example. Contact us today to find out more about how Spencer Insurance Agency can help you with your teen drivers.

Spencer Insurance Agency was the Winner of Best Insurance Agency in 2015 – 2016 – 2017

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