Guardian Advice: How to Help Young Drivers Stay Safe

Hello, responsible administrators!

First of all, good for you. A great way to find out how to keep your teen driver safe. We hope we can help both you and your teen feel confident following these tips.

  1. Rules for parents and young drivers
  2. Parent-Teen Driving Contract template
  3. Features of a good driving car
  4. Driver tracking software for your teen
  5. Discounts for young drivers
  6. Adding a young driver to your car policy

Before you give your child the keys, set some ground rules together to keep them safe. Remember, every teenager matures differently and needs different rules to help them become good drivers.

Some rules to consider establishing with your teen driver may include:

  • There are no passengers, especially some young people
  • Minimize distractions
    • Make a list with your teen of specific distractions (eating, music, phones, texting and social media)
  • Do not drive under the influence of alcohol or any other drugs. Also, don’t get into a car with anyone under the influence
  • Follow the speed limit
  • They require everyone in the car to wear seat belts
  • Stay at home with curfew
  • Obey traffic laws and signs

Consider using videos and statistics from well-known security agencies, such as National Highway Traffic Safety Administrationto explain why these rules are important.

Create a Parent and Youth Driver Agreement using our template

To keep your laws in compliance, you can create a Parent-Teen Driving Contract. Your teen will sign a contract to show that they understand and agree to their driving privileges. Driving is a privilege and a responsibility, not just a hobby. To help you get started, we’ve created this Parent-Teen Driving Contract template.

Prepare your teen’s car for safe driving

Beyond setting the rules for your child’s driving, consider the vehicle they will be using. Is it safe? Consider getting a car with newer safety features, if possible.

Some car safety features that can help your child include:

  • Automatic emergency braking (AEB)
  • Rear view/360 degree camera
  • Blind spot detection
  • Lane departure warning (LDW)
  • Lane Keeping System (LKS)
  • Front-end warning

Use an app to track your teen’s driving

To be more responsible, consider using an app that monitors your child’s pace, phone use and location. There are several options at the grocery store; some of them are even free. For most apps, you need to download the app on your phone and your child’s phone.

Some popular programs include:

  • Mrs. Bear
  • Emergency
  • TrueMotion Family Safe Driving
  • Life 360
  • AT&T Drive Mode

Phones and other apps out there may also have in-vehicle information, which can monitor when other apps are used while driving. So, check your child’s phone skills to see what’s available.

We offer a youth driving discount because it’s worth it!

When you and your teen feel confident in their safe driving, we want to be happy with you. That’s why we offer great discounts for young drivers.

You can use this in your Parent-Teen Driving Contract as a reference. If they meet our discount, you can give them a special reward of some kind.

  • Teen Driver Monitoring Discount: If your young driver has a GPS unit attached to their vehicle that they use frequently or the appropriate app on their phone, they may qualify for this discount. You must provide proof of purchase or other documentation of the GPS unit or the applicable phone software. Talk to a Bolder Insurance Advisor for more information.
  • Great Student Discount: To qualify for this discount, your teen must be a full-time student at a high school, college, university or technical school (under age 25). They must also show us their report card or academic record to ensure they meet one of these requirements:
      • Be in the top 20% of their class
      • Have a “B” average
      • Have an average of three points on a four-point scale
      • Inclusion on the dean’s or honors list

How do I add my teenager to my car policy?

Contact a Bolder Insurance Advisor and let them know you need to add your child as a rated driver. They need to know the vehicle they will use and their daily commute.

Summary: Helping your child manage the responsibility and privilege of driving is difficult. Set boundaries, make a deal, give them lots of practice, set a good example and talk about good driving!

This coverage is provided by Auto-Owners Insurance, a partner of Bolder Insurance