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  • Three Prom Night Issues to Discuss with Your Teen
    If you’re a parent with teenagers you know that the prom is a special night for your teen, and while you want them to have a fun and memorable night with their friends, you also want to make sure they stay safe.
  • Care to Share? How Joining a Car or Bike Share Program Could Impact Your Insurance
    Across the country car and bike share programs are gaining in popularity as a way to ease congested traffic patterns in urban areas while at the same time providing more flexible transportation alternatives to public transit. These programs are a great alternative for urban dwellers and college students who may not own a car or bike but occasionally need one to run errands, or to use as an alternate means of commuting. But how does your insurance work with these types of bike and car share programs?
  • Don’t Be Fooled: The Auto Insurance Minimums in Your State Probably Aren’t Enough
    There are a wide variety of April Fool’s Day jokes out there but one thing you should avoid falling for is being told that carrying the state mandated minimum coverage is adequate insurance protection. 
  • Spending President’s Day Weekend Car Shopping? Don’t Forget Your Insurance Coverage!
    If you’re in the market for a new car, depending on what type of vehicle you’re looking for, President’s Day Weekend may be the time to find it. But whether you’re buying your first car or trading in for a “Presidential” upgrade, it’s important to keep in mind a few things about auto insurance when shopping for a new car.
  • Insurance: The One Question Everyone Asks
    “Am I overpaying?”

    That’s a question that every consumer asks from time to time. Everyone is curious and concerned as to whether he or she is getting a good value for the money, whether it’s for a candy bar, a car or an airline ticket.
  • Driving in Snow? Go Nice and Slow!
    When staying home is not an option and you must brave winter roads, your Trusted Choice® agent advises you to remember the ageless moral of the tortoise and hare: Slow and steady wins the race.
  • Make 2013 a No-Keys New Year’s Eve
    On Monday night, millions of people will ring in the New Year with friends, family, and loved ones. However, amidst all the festivities, toasts, and celebrating, safety can quickly take a backseat to a good time – especially when alcohol is added to the mix.
  • Rental Car Insurance:  To Buy or Not to Buy?
    As the holiday season approaches, millions of Americans will take to the roads to visit family and friends. Since many will make the trip in a rented car, it’s an appropriate time to discuss one of the most frequently asked questions of agents and brokers all over the country: “Should I buy the insurance from the rental car company?”
  • Do Individuals Need to Buy UM Coverage?
    Uninsured or underinsured motorist coverage (referred to as UM or UIM, respectively), is a unique form of auto insurance in that it gives drivers an added opportunity to protect themselves from “out there”—specifically, all those people driving with little or no auto liability insurance.
  • Is a GPS Covered by an Auto Policy?
    Some may view them as science fiction gone wild. Others see them as indispensable, possibly life-saving tools. Regardless of your feelings about Global Positioning Systems (GPS), they continue to occupy the dashboards of millions of U.S. vehicles each year. The pervasiveness and expense of the technology has drivers asking if their GPS systems are covered by auto insurance.
  • Transporting Kids to School Events
    As early as they start school, children become involved in extra-curricular activities. Adults charged with getting groups of kids from home or school to the ball field and back home again are usually more concerned with maintaining their sanity than auto insurance. However, hauling kids around could have a serious affect on your coverage.
  • First Car, First Insurance Question: Does My Teen Driver Need Their Own Policy?
    How to insure a teenager’s car has got to be one of the most common questions Trusted Choice ® independent insurance agents get asked year after year. Here are a few things to consider when deciding whether your teen should have their own policy.
  • 5 Things to Discuss with Your Teen Driver
    Here are five subjects you’ll want to cover with your teenager when it comes to driving.
  • Family Members: What You Auto Know
    Those that design personal auto insurance policies learned years ago that folks living in the same house will take turns driving the family cars. That’s why auto insurance policies are designed to provide coverage not just for the person specifically named on the policy (you) but also your spouse and family members.
  • Understanding Driver Exclusions
    Everyone knows “that guy” whom you wouldn’t trust behind the wheel of your car, even in a matter of life and death. For the truly unfortunate, “that guy” is a member of your household—and looks not only to your vehicles as a source of transportation but also to your auto insurance as a source for coverage.
5 Things to Discuss with Your Teen Driver

teen driver.jpgDriving can open up new opportunities for teens but with those opportunities comes responsibility. It’s important for teens to understand those responsibilities and for parents to set appropriate expectations. With school starting shortly it’s a good time to sit down with your teen driver and have a discussion about your rules and expectations on how they use a car, whether they have their own or borrow yours. Here are five subjects you’ll want to cover with your teenager when it comes to driving.


1) Distracted Driving. According to the FCC, distracted driving accounted for 16% of all fatal crashes in 2008 and 21% of accidents involving injuries. Distractions can include texting, talking on the phone and even scrolling through a playlist on your MP3 player. When you’re in a car, remember that no text or phone call is worth injuring or killing yourself, your passengers and others on the road. If you need to call or text someone for directions or to let them know you’re on your way, pull into a parking lot or a safe area along the road with plenty of room between your vehicle and moving traffic

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2) Driving under the influence. Automobile accidents are the leading cause of death among teens, with one third of those deaths being alcohol related, according to the organization Mothers Against Drunk Driving. Avoiding situations with alcohol and drug use is the best way to avoid driving under the influence or riding with someone who is under the influence. If necessary make arrangements to have a designated driver or call someone else for a ride. There are no consequences that are worse than injuring or killing yourself or others.

3) Passenger Safety. As a driver, you have a responsibility for the passengers in your vehicle. Make sure you and your passengers all have their seatbelts on before leaving and during all trips- whether down the street or outside town. A driver should make sure that passengers don’t lean out of windows, throw things from a moving vehicle or engage in other horseplay.


4) Obeying traffic laws. While this seems obvious, making an effort to follow all the laws as a new driver will help establish good driving habits and avoid bad ones like excessive speeding and rolling through stop signs.

 
5) Protecting the vehicle and its contents. Whether going to the mall or driving to school, remember to lock the car doors. Thieves look for easy targets, and if they see a GPS unit, a phone, CD’s etc. in an unlocked car you’ve made their job easy. Remember to do a quick scan for anything that might be tempting to a thief and either take it with you or stow it in the glove box, or under a seat.

If you have a teen driver, talk with your Trusted Choice® independent insurance agent about how you can insure your teen driver and your options for obtaining coverage if they have their own car. A Trusted Choice agent can also help explain how the coverage works and what they should do in the event of an accident.

 

Sources
http://www.fcc.gov/guides/texting-while-driving
http://www.madd.org/statistics/

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