Teen Will Drive Soon
It seems like a “right of passage” from childhood into becoming an adult. Your little boy or girl turns 17 and MUST have a car because everyone in school has one. Teens crave the freedom away from Mom and Dad, acceptance by their peers and the ability to show off (with the right vehicle of course!).
In fact, because of the high death toll involved with teen driving, some provinces have already enacting Graduated Driver Licensing (GDL) laws.
Graduated Driver Licensing introduces teenage drivers to the road in stages, over an extended period of time and in an environment that minimizes risk. First is the Permit Phase where the teen practices with supervision. Next is the Provisional or Probationary Phase where the teen is allowed independent driving with restrictions. Only after successfully completing both phases will the teen be granted full driving privileges. As your teen learns this new and important skill, practice is very important. As a parent or guardian of a new driver, spend as much time as possible helping and teaching your teen good driving habits.
Many provinces have restrictive laws that go along with having a GDL license, such as:
- May not drive between midnight and 5:00am
- May not have more than one passenger in the car who is under 21 and not an immediate family member
- Driver and ALL passengers must wear seat belts
These laws may vary a bit by province but are now becoming extremely common. In most provinces with GDL laws, your child must complete at least 6 months of driving, and be at least 16 years of age, before they can apply for a standard driver’s license with no restrictions.
Insurance-Friendly Cars For Teens
The decision is made. You want to buy your son or daughter their first car. It will be in your name and properly added to your policy. But what to buy? You know it's not only the car model you have to consider. You also have to think about the impact the car will have on your auto insurance.
Insurance companies surcharge youthful operators in three areas:
- Collision (damage caused to the vehicle in an accident
If you choose a vehicle that may be older, and does not require comprehensive or collision (a lower value vehicle) the premium will be considerably less than a newer one which will require full coverage.
Let us assist you in making a good choice for your teen. Contact Fairway Insurance and one of our brokers can help you make the right decision when buying that first car for your teenager.