teen consequences - Spencer Insurance Agency, Inc

Do you know someone who is a parent of a teen driver . . .

If you have a teen driver continue reading.  If not, forward this message to a friend or family member who is a parent of a teen driver.  You will be doing them a favor.

I remember when my four children were teen drivers. My head was spinning. I had to teach them how to drive safely and pay those high rates for car insurance.  Now that I have grandchildren I look forward to watching my children navigate through this process.

Spencer Insurance has help for parents of teen drivers.  Check out our website designed just for parents of teen drivers.

What is on the website?

  • A list of driving schools – email us if you know another good one.
  • Tips and suggestions
    • Parent – teen driving contract
    • 101 Safe Teen Driving Tips
    • 7 costly mistakes parent make
  • Links to the PA, NJ and DE motor vehicle sites to learn how to get a permit
  • A link to our “Safe Teen Driving Course”

Spencer Insurance understands this is an important and stressful time.  Let us help you navigate through this process.

Please contact us with any questions you may have.

“Your Protection and Peace of Mind is our only Business.”

 

Know someone who has a teen driver?

Parents: This Doesn’t Have to be a Stressful Time in Your Life. You Can Keep Your Teen Safe, Avoid Paying High Insurance Rates, and Get Peace of Mind!

I remember when our four children were teenagers and wanted to learn to drive.  UGH!

To be honest my children preferred to be taught to drive by their mother, Tammy.  Truth is Tammy has a lot more patience.  What did Dirty Harry say?  “A man has to know his limitations.  Thank you Tammy!

Spencer Insurance wants to help you!  Did you know Spencer Insurance has a website exclusively for the Parents of Teen Drivers?  Check it out!

This website will provide you:

Let us help you as you train your teen driver to be a safe driver.  Most importantly lead by example.  If you text and use your cell phone while driving what message are you sending your teen driver?

Good luck and call us at 215-885-2200 if we can be of any assistance.

October 19 – 25, 2014 is National Teen Driver Safety Week

texting and driving

Spencer Insurance is committed to Teen Driver Safety. During National Teen Driver Safety Week our agency will be posting valuable tips all week on our Facebook Page about Teen Driver Safety (https://www.facebook.com/spencerinsuranceagency). Check us out. Go to our page and click “Like” so you will be sure to receive these valuable tips.

Have you checked out our “Parents of Teen Drivers” website? This website provides parents valuable information as they undertake teaching their teen driver to be a safe driver. Some of the content we share is:

  • Tips and Suggestions including a “Teenager – Parent Driving Contract”
  • A list of driver education schools in the area
  • Valuable links including links to Pa, NJ and DE Department of Motor Vehicles
  • A link to our “Safe Teen Driving Course” which provides 16 lessons for parents to use when they are completing the 65 hours of mandated adult-supervised skill building with their student driver.

Go to our “Parent of a Teen Driver” website for this valuable information.

The Children’s Hospital of Philadelphia Research Institute has a special website to support National Teen Driver Safety Week. Go to our “Parents of Teen Drivers” website to link onto this site. CHOP provides Stats and Facts along with additional links and multimedia presentations.

Spending some quality time teaching your teen driver to be a safe driver is one of the best things a parent can do to keep their child alive. Teaching by example is the most effective technique. Today, cell phone distraction has become the number one killer of teen drivers, surpassing the number of teenager drinking and driving deaths. What example are you showing your teen driver?

Let Spencer Insurance help you by taking advantage of the material we provide on our “Parent of Teen Drivers” website. And . . . don’t forget to review your auto insurance to make sure you have enough protection as you are 5 times more likely to have an accident in your household if you have a teen driver.

 

 

 

 

 

 

 

 

http://www.teendriversource.org/more_pages/page/support_national_teen_driver_safety_week_now_for_parents/for_parents

We are excited to announce our Re-Designed Website for the Parents of Teen Drivers

We are excited to announce our re-designed Spencer Insurance Teen Driver Website designed for the parents of Teen Drivers!
This Website is designed specifically to help the parents of teen drivers. I remember the highs and lows of teaching my four children to drive.  Actually my wife, Tammy did a much better job of teaching our children how to become safe drivers.  I wish we had the tools available to you when Tammy and I were teaching our four children to drive.
On the website we have many tools to help you:

Make sure you talk to us about reviewing your auto insurance policy to make sure you have the proper coverage now that you have teen drivers.  I would also recommend you purchase an umbrella policy.  Call us today at 215-885-2200for a review of your coverage!

Your friends at Spencer Insurance Agency, Inc.,

Teen Driver Lesson #4

Picking up the keys

Lesson 4

(Sometimes you have to go backward to go forward.)

Your teen feels comfortable behind the wheel and with the basic operation of the motor vehicle.  In order to demonstrate this skill, have your teen back the car out of the garage.  Many teens fear they will scrape the side of the garage while backing the car out because they are not truly comfortable with the vehicle dimensions.

Safety Tip:  Make sure the garage door is all the way up!

 

 

You are now ready to take your teen on the road and put to use some of the skills they have learned.  This lesson should be performed in a small neighborhood where there is minimal vehicle and foot traffic.

For the first time they may encounter another moving vehicle or a vehicle parked at the side of the road.  Try to remember the anxiety you felt the first time you approached an oncoming vehicle.  It is imperative the teen have a “feel” for the dimensions of their car.

Practice defensive driving.  Teach your teen to anticipate probable problem situations.  For example, scan the sides of the road for small children that may dart onto the road.   Anticipate that a parked car may suddenly pull out in front of you from the side of the road.

Turning is much different on the road from an empty parking lot.  Practice making turns at an intersection both from a stop and while moving.  Many teens struggle with gauging when to start turning, applying brake pressure and accelerating out of a turn.  Again, finish the lesson with your teen acting as the instructor.

Lesson #4

(Neighborhood with minimal traffic)

Orientation

(15 Minutes)

Grade

(A, B, C)

Comments, Praise   and

Areas of   Improvement

 

Review   Previous Lesson

   
 

Safety   Check

   
 

Discuss   Today’s Lesson

   

Driving Experience

( 1 Hour)

Grade

(A, B, C)

Comments, Praise   and

Areas of   Improvement

Introduce   New Skill:

Garage   Parking

   
 

Backing   Out of Garage

   
 

Parking   in Garage

   
 

Backing   Down Driveway

   
Introduce   New Skill:

Driving   in Neighborhood

   
Approaching   an Intersection    
 

Passing   a Parked Car

   
 

Oncoming   Car

   
 

Turning   a Corner

   

Review

(15 Minutes)

 

Comments, Praise   and

Areas of   Improvement

 

Garage   Parking

   
 

Neighborhood   Driving

   
 

Parking

   

Call us at 215-885-2200 for more tips for the Parents of Teen Drivers. Check out our Parent of Teen Driver Website.

 

 

Tools for the Parents of Teen Drivers – Lesson #3

Picking up the keys

Lesson #3

(Parking… and we don’t mean at the drive-in!)

Most new drivers are afraid to park the car because they are not comfortable judging the distance from their bumper to the other car.  If the braking exercises were effective in Lesson 2, your teen may be doubly apprehensive.  However, before they can venture onto the road, they must be comfortable with all the dimensions of the vehicle.

For this exercise practice all types of parking.

Safety Tip:  Begin your parking exercises by using empty plastic trash cans to designate the other vehicles.

 

Don’t forget to show your teen how to set (and take off) the parking brake when parking on a hill.

 

Lesson #3

(Parking Lot)

Orientation

(15 Minutes)

Grade

(A, B, C)

Comments, Praise   and

Areas of   Improvement

 

Review   Previous Lesson

   
 

Safety   Check

   
 

Discuss   Today’s Lesson

   

Driving Experience

( 1 Hour)

Grade

(A, B, C)

Comments, Praise   and

Areas of   Improvement

Introduce   New Skill:

Parking

   
 

Straight   In Parking

   
 

Angled   Parking

   
Parallel   Parking (Use Trash Cans as Cars)    
 

Parking   on a Hill

   
 

Practice   Backing

   

Review

(15 Minutes)

 

Comments, Praise   and

Areas of   Improvement

 

Parking

   
 

Scanning   the Road

   
 

Blind   Spot

   

 

 

Additional Comments:

 

 

Skills to review for next lesson:


Tools for the Parents of Teen Drivers – Lesson 2

Picking up the keys

Lesson 2

(No shopping cart races)

Start this lesson with a review of Lesson 1 and summarizing the skills you will be teaching today.  The emphasis of this lesson should be on vehicle control and stopping the vehicle.

While driving it is important to be aware of where all the vehicles are on the road.  In order to monitor the other vehicles on the road, a driver must effectively utilize his/her mirrors.  This would be a good time to demonstrate the blind spot.  While the auto is parked, stand in the blind spot to help your teen adjust the side mirrors.  They will not realize until you physically show them this spot is real!  Note:  the side mirrors need to be adjusted out, you should only see a TRACE of the side of the auto.  The KEY is what is next to the auto and outwards.  The teen needs to KNOW all autos are different; some vehicles have larger blind spots than others.

Safety Tip:  Apply the small convex mirrors to both side mirrors. These mirrors increase the view TREMENDOUSLY!

                      

One of the top 5 mistakes teens make is following too closely.  They do not realize the distance it takes to stop a vehicle.  Once your teen is feeling a little more comfortable behind the wheel, have them simulate an emergency stop.

Safety Tip:  Walk off the distance it takes to stop the vehicle from various speeds.  Try using the marked white lines or bring a few cones to mark the distance. This process will help your teen realize just how long it takes to stop the car.  Stress how the distance will increase at highway speeds.

 

Most vehicles on the road today are equipped with the ABS (Anti-Locking Brake Systems) safety feature.  Try to engage this safety feature today.  Depending on the size of the parking lot you are using, this may be difficult to do.  However, it is important for your teen to experience this safety feature in a controlled environment for the first time.

Lesson # 2

(Parking Lot)

Orientation

(15 Minutes)

Grade

(A, B, C)

Comments, Praise   and

Areas of   Improvement

Review   Previous Lesson

Safety   Check

Discuss   Today’s Lesson

Driving Experience

( 1 Hour)

Grade

(A, B, C)

Comments, Praise   and

Areas of   Improvement

 

 

Review   Starting

Review   Stopping

Review   Turning  Introduce   New Skill:  Scanning the Road

Scan   Forward

Scan   Side to Side

Blind   Spot

Use   of Mirrors  Introduce   New Skill:

Backing

Backing   Straight

Turning   While Backing

Review

(15 Minutes)

 

Comments, Praise   and

Areas of   Improvement

Scanning   the Road (Anticipating Problems)

 

Backing

Good   Points

 

Additional Comments:

Skills to review for next lesson:


NHTSA unveils “5 to Drive” Teen Safety Campaign

This is Teen Driver Safety Week.  The U.S. Department of Transportation’s National Highway Traffic Safety Administration (NHTSA) unveiled a new campaign that challenges parents to discuss five critical driving practices with their teenage drivers that can have the greatest beneficial impacts in the event of a crash.

The “5 to Drive” campaign encourages parents to visit here and discuss with their teens
one safety topic each day during national teen driver safety week. The “5 to Drive” campaign topics are:

  1. No      cell phone use or texting while driving,
  2. No      extra passengers,
  3. No      speeding,
  4. No      alcohol, and
  5. No      driving or riding without a seat belt.

The objective of the campaign is to counteract poor driving decisions that have contributed to the high death rate among teen drivers.  Visit their website to help you start the discussion with your teen drivers.  Their life could depend on it!

Remember, our teens learn by our example.  Make sure you are setting a good example by following these 5 topics yourself.

For more tips for the parents of teen drivers go to our website and click     teen-driver                    .

Teens “Inherit” Bad Driving Habits from Parents

According to a study conducted by SADD, 60 % of High School Students say their parents have the biggest influence on their driving habits (see http://sadd.org/teenstoday/parentsdriving.htm)

Consider these findings:

  • 62 % say they talk or text on their cell phone while driving
  • 67% say they speed
  • 33 % say they do not wear seat belts
  • 24% think these behavior are safe

What kind of example do you set for your Teen Drivers?  As summer approaches, teen drivers will take to the road more frequently.  Have you established any ground rules with your teen drivers for summer driving?  Have you explained the new PA law that prohibits texting while driving?

Spencer Insurance can help you.  We have a website designed specifically for parents with teen drivers.  Go to our website at www.spencerinsurance.com and click the “Have a Teen Driver?” icon.

This website provides the following:

  • Parent/Teen Driving Contract that outlines consequences for their actions
  • Free Home Study “Teach your Teen to Drive” online course
  • Valuable information to help you determine if you have the proper coverage
  • 101 Safety Tips for Teens

Spencer Insurance is here to help you.  Call us and we can discuss how you can use all these tools to help your teen become a safer driver.

At Spencer Insurance, “Your Protection and Peace of Mind is our only Business!”

Texting while driving. Do you do it?

The new Pa Texting while driving law has been in force for over a month now.  Many people have commented to me that it is not enforceable.  However, I think the law  is a step in the right direction. I think the law should be strengthened to include a total ban on using hand help phones for any purpose.

Hopefully, having the law may persuade some people not to text and drive.  It is sad that we need to legislate common sense, but sometimes we need laws to protect us from ourselves.

I think most people are so accustomed to texting that they just don’t even give it a thought when they text and drive.  I ask that you take a moment and just consider some of the consequences of texting and driving:

  • You get a $50 ticket
  • Someone honks their horn because the light has turned green and you are still texting
  • You cause a serious injury while texting and get sued
  • You cause serious injury or death and are convicted of reckless driving and get jail time
  • You are injured or killed and leave your family without a parent or grandparent

Make the right decision not to use a hand held cell phone while driving.  Take a moment to pull over to answer the phone or text.  Think of the example you are setting for your children and grandchildren when you use a cell phone while driving.

I would like to ask you a favor.  Share with us your experiences.  Let me know what happened to you when someone else was texting or used a hand held cell phone while driving near you.  Let me know what you do.  Do you text?  If so, why do you do it?  Did you ever witness an accident or near accident because someone was using a hand held cell phone.

Share your comments below.  Maybe your comment will be just what someone needs to hear to stop texting while driving.

At Spencer Insurance we are committed to helping people (especially teens) become safe drivers.  Check out our website for tips on how to make your teen a safe driver.  Check out our online module on distracting driving.  This interactive module illustrates many of the distraction we all deal with everyday, not just cell phone use.  We are pleased to provide these to you because at Spencer Insurance, “Your Protection and Peace of Mind is our only Business!”

Close

Check out how you can win an iPad mini.

Open