teen drivers

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Back-to-school season often means new routines, responsibilities, and transitions for families. Whether you have a teenager driving to high school, a college student living away from home, or you are setting up carpools with neighbors, this time of year is a great reminder to review your insurance needs.

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Distracted driving is one of the leading causes of accidents on the road today. Many people think a quick glance at their phone or a fast bite of food is harmless, but even a few seconds of distraction can have devastating consequences. The cost of distracted driving is more than just financial. It can affect your safety, your future, and the lives of others.
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The rumble of the engine... or the whirr of the electric motor! Getting a driver's license is a major milestone for teenagers. It's a symbol of independence and a gateway to new experiences. But as parents and guardians know all too well, it also comes with a significant layer of responsibility and, let's be honest, a few worries.
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As the back-to-school season approaches, the excitement of a new academic year fills the air. Parents are busy shopping for supplies, students are anticipating meeting new friends and teachers, and everyone is settling into the routine that comes with the school year. However, amid all this excitement, there's an important aspect of preparation that often gets overlooked–insurance.
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Are teens really the worst drivers out there? Is texting the main reason for car accidents, or is it driving under the influence? Here are some interesting statistics about life on the road.
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Distracted driving is defined as engaging in any activity that takes your attention away from driving: It can be considered manual, when you move your hands from the wheel; visual, when you focus your eyes away from the road; cognitive, when your mind wanders to other tasks; or any combination of the three. Cambridge Mobile Telematics (CMT), the world's largest telematics provider, just released its 2022 U.S. Distracted Driving Report, and the results are staggering, with distracted driving levels at their highest point since the pandemic's onset. "Over the past two years, distracted driving has been like a pandemic within a pandemic, increasing at alarming rates and changing drivers' behaviors as the pandemic wears on. As more drivers hit the nation's roads, this intensified distraction will put even more people at risk," says Ryan McMahon, vice president of strategy at CMT.
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If there's one thing that research points out, it's that teens are, literally, the worst drivers. According to the CDC, motor vehicle crashes are a leading cause of death for teenagers, and the risk of motor vehicle crashes is higher among teens aged 16-19 than among any other age group. So while your teen is probably thrilled to be driving, and you're probably thrilled to not be driving them everywhere, it's important to continue teaching them how to stay safe and smart on the road. Luckily, teenagers are stubborn but still pretty impressionable. Here are the most important things you can instill in your brand new teenage driver, and guidelines to have them follow.
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Many parents rightly experience a strong anxiety when turning over the car keys to their new teen driver. There are a several things a parent can do to make sure that the teenage driving experience is a safe one. First, teenagers need to understand that driving is a privilege, not a right. With privileges come certain responsibilities. It is best to make those responsibilities and the consequences for not meeting them as clear as possible. One way to do that is with an actual contract between parents and teenagers built around the concept of graduated licensing and restrictions for high risk situations.
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Fall in Pennsylvania is fast approaching, and back-to-school sales are already underway, everywhere you look. If you're sending your teenager to college for his or her first year, you're going to need much more than just notebooks and pencils. Make sure your student is ready by following these guidelines.

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