Why is insurance so expensive for teenage drivers?

The cost of insurance varies from one group of drivers to another because some groups have worse driving records, higher accident rates and more costly accidents than others.  The highest insurance rates are charged to male drivers under the age of 25.  Teenagers make up 4.8% of all drivers, but account for 17% of drivers in fatal car crashes and 22% of all drivers in all types of crashes.

Can I be added to my parents’ auto insurance?

If you drive a family car, you can be added to your parents’ policy.  However, the cost of the policy will increase.  If you have your own car, your parents’ company may sell you a separate policy but at a different rate than your parents. For more information, complete our Contact Form today and we will have one of our licensed insurance agent call you as soon as possible. Or if you prefer, call us at 1-800-640-4743 and speak with a licensed insurance agent today.

Do I have to be a certain age to buy my own insurance?

No.  However, you must have a valid driver’s license. Also, in many states you must be 18 before you can own a car without an adult’s name on the auto registration. Click Here to request a quote online.

How often do I have to renew my insurance?

Auto insurance policies usually last six months–some last one year.  You will receive a notice when it’s time to renew your insurance.

Will my rates go up, or will I lose my insurance if I get into an accident or get a ticket?  If you are not at fault in an accident, your insurance should not be affected.  If you are at fault, get a ticket for a serious violation (such as drunk driving), or are involved in an accident that racks up expensive property damage, your rates may increase at the time of renewing your policy.  You will be categorized into another higher risk group of people who have recently been in an accident.  You can no longer be placed in the accident-free group that you were in before the accident.

If I loan a car to a friend who has an accident, is he/she covered by my insurance?

Under most circumstances someone using your car with your permission is covered by your insurance.  If the person borrows your car with your permission and is involved in an accident, your insurance will pay just as if you were the driver.  However, in some states, some insurers may limit the coverage.

Should I report all accidents to my insurance company?

Yes.  You should report all accidents even if you do not end up filing a claim.  If you don’t report these incidents, you run the risk of being sued by the other people involved, and your insurance company will be at a disadvantage in defending you.

Safe Driving Tips

  1. ALERT DRIVING – You need to concentrate on your driving. A person should be well rested, calm, and not under the influence of drugs or alcohol.  One of the greatest hazards of roadway driving is drowsiness from lack of sleep or fatigue.
  1. DEFENSIVE DRIVING – Always be prepared to react to the other driver. If you cannot avoid an accident, try to remain calm and choose the least dangerous option.
  1. TWO-SECOND RULE –Use the two-second rule to determine a safe following distance. Select an object on the road ahead and when the vehicle ahead passes it, start counting one-thousand-one, one-thousand-two.  You should not reach the object before you count to one-thousand-two.  This scenario applies if the weather conditions are good.  If the weather conditions are poor, increase your stopping time.
  1. MINIMUM AND MAXIMUM SPEEDS –Driving too fast or too slow may create a dangerous situation for you and other drivers. Weather and traffic conditions may dictate that you drive slower than the posted speed limit.
  1. STOPPING – The ability to stop your car safely should be considered when deciding your speed. You should consider your brakes, vehicle design type, condition of the roadway, and the kind of tires you own.
  1. TRAINS – Drive carefully across train tracks. Check for a second train after the first one has passed.  Never allow your car to be parked on the track if there is not enough room on the other side of track.  Do not race a train to the crossing.
  1. WEATHER CONDITIONS – Weather can create severe hazards for drivers. Drive carefully in fog, heavy rain, high winds, sleet, and snowstorms.
  1. EQUIPMENT FAILURE – Car crashes often happen when equipment fails.  Be sure to periodically check to make sure that your car is in good working condition.  Regular checkups with a mechanic can help prevent certain equipment failure and extend the life of your car.

Safe Driving Tips for Young Drivers

Driving around school

  • Get to school 5 to 10 minutes early and leave 5 minutes late to avoid the mad dash into and out of the parking lots.  Many accidents happen when kids are rushing around.
  • If your school lot has perpendicular spaces (not angle parking), park in a space you can pull straight out of instead of having to back out.  Backing out in crowded lots is tricky.
  • Always stop for school buses with flashing lights.  The lights mean that students are either getting on or off the bus—and may be crossing the street.  Their safety depends on cars obeying this law.
  • Go slow.
  • Don’t leave valuables such as wallets, shoes, leather jackets or sports equipment in your car where they can be seen because they invite break-ins.

Driving around town

  • Avoid making left hand turns across busy intersections that don’t have turn signals.  It takes a while to learn how to gage the oncoming traffic.  Better to go down a block or two until you come to a light, or plan a route that doesn’t need this turn.
  • Don’t make assumptions about what other drivers are going to do.  The only thing you can assume about another driver with a turn signal on is that he has a turn signal on.  He might not be turning at all and forgot to turn it off the last time he used it, or he has changed his mind.
  • When there’s an obstruction in your lane, wait for oncoming traffic to clear before you pull around.  Just because someone’s blocking your lane doesn’t mean that you have the right of way in the next or oncoming lane.
  • Watch out for aggressive drivers, and try to stay out of their way.  They are the cause of a lot of accidents –especially on the freeways.
  • Watch out for anything that is connected to the U. S. Mail. (This tip submitted by someone who had run-ins with a mailbox, a mail delivery truck, and a fender bender in front of the post office.)
  • Don’t do anything that will cause another car’s driver to slam on the brakes—such as pulling out in front of him or swerving into his lane.

Driving in bad weather

  • Turn your headlights on anytime you need to turn your windshield wipes on –in rain, fog, sleet, freezing rain, or snow.  It will help your visibility – and also help other drivers see you.  It is now the law in California.
  • Double the space you normally leave between you and the next car.  You’ll need more space to stop on slick roads.
  • Brake gently.
  • Make sure that your exhaust tailpipe is clear if you’ve had to dig your car out of snow or ice, or if you’ve backed into a snow bank.  If your tail pipe is blocked, you could get sick or die from carbon monoxide poisoning.
  • When driving on slippery surfaces such as ice or snow, use gentle pressure on the accelerator pedal when starting.  If your wheels start to spin, let up on the accelerator until traction returns.
  • Check that windshield washer works – you may need it in snow and sleet.
  • Braking in bad weather can be tricky.  If braking on wet roads with ABS (anti-lock) brakes, do not pump the brakes.  If you skid on non-ABS brakes and your wheels lock up, let up on the brakes to unlock the wheels, then brake gently.
  • Listen to radio traffic reports and adjust your travel plans accordingly.
  • Keep windows and windshield clear.  Make sure wipers are working.
  • Leave a window open a little bit to keep windshield from fogging up and to give you fresh air.
  • Watch for danger spots ahead.  You’ve probably heard that bridges and overpasses may freeze before the roads do.
  • When starting out in bad weather, test you brakes to see how far it takes you to stop.
  • If you are stuck in ice or snow, try putting your floor mats under the edge of the tires to give them traction.

General tips

  • Always wear your seat belt and make sure all passengers buckle up, too.
  • Adjust your car’s headrest to a height behind your head-not your neck-to minimize whiplash in case you’re in an accident.
  • Never try to fit more people in the car than you have seatbelts for them to use.
  • Obey the speed limits.  Going too fast gives you less time to stop or react.  Excess speed is one of the main causes of teenage accidents.
  • Don’t run red lights.
  • Use turn signals to indicate your intention to turn or to change lanes.  Turn it on to give the cars behind you enough time to react before you take the action.  Also, make sure the signals turn off after you’ve completed the action.
  • When light turns green, make sure intersection clears before you go.
  • Don’t drive like you own the road; drive like you own the car.
  • Make sure your windshield is clean.  At sunrise and sunset, light reflecting off you dirty windshield can momentarily blind you from seeing what’s going on.
  • Don’t blast the radio.  You might miss hearing a siren or a horn that could warn you of possible trouble.
  • Make sure your garage door is completely open before backing out of it.
  • Drive into your garage straight, not on an angle.
  • Make sure your car has gas in it.  Don’t ride around with the gauge on empty – who knows where you might get stranded.
  • Don’t drink and drive, and don’t ride with anyone who has been drinking.  Call parents or friends to take you home if you need a ride.
  • Don’t take drugs or drive if you’ve taken any.  Don’t ride with anyone who has been using drugs.  Even some over-the-counter drugs can make you drowsy, so check labels for warnings.
  • Don’t drive with small children or even small teenage friends as passengers in a front seat that has a passenger-side air bag.  They should be buckled up in the back seat.
  • Don’t talk on a cell or car phone, put on make-up, comb your hair, or eat while driving.
  • Don’t fiddle with the radio while you are driving.  It’s better to wait until you can pull over and stop to adjust the radio as it takes only a few seconds of distraction to cause an accident.
  • Use good quality tires and make sure they are inflated to the right pressure as suggested by your owner’s manual.
  • Maintain your car.  Bald tires, a slipping transmission, or a hesitant engine could lead to accidents.
  • Use headlights during daylight driving, especially on long stretches of desert highway and rural roads to make you more visible to oncoming drivers.
  • Select a designated driver who does not drink if going out for a night on the town with friends.  Drinking and driving do not mix!
  • Watch out for potholes, especially after bad weather.
  • Be on the lookout for motorcycles, bikes, and pedestrians.

To pass, or not to pass

  • Don’t pass when there is a solid yellow line on your side.
  • Don’t pass when you’re uncertain there is enough time or space.
  • Don’t pass when you can’t see around a curve or over a hill.
  • Don’t pass tractors or trucks or other vehicles on two-lane roads when you can’t see around them.
  • Don’t pass in hazardous weather conditions.
  • Don’t pass when another car is coming towards you in the opposite lane.
  • Don’t pass when a car is passing you.
  • Don’t pass when there is construction or road work.
  • Don’t pass when the car in front of you is going the maximum speed limit.
  • Don’t pass when on narrow roads, bridges, or in tunnels.
  • Pass with caution only if there’s a dotted line on your side.
  • Pass with caution when you have checked that the passing lane is clear.
  • Pass with caution when you have made sure that you have plenty of space to do so safely.
  • Signal before you pass.
  • Pass at least ten miles per hour faster than the car you’re passing, while not exceeding the speed limit.
  • Make sure you have cleared the passed car with enough space before pulling back into your lane.

Major factors in accidents

  • Speed
  • Alcohol and drugs
  • Ignoring right-of-way
  • Tailgating
  • Improper passing and driving to the left of center
  • Fatigue
  • Reckless driving

Buying a used car

  • Look for a used car that has airbags.
  • Check the Consumer Guide Used Car Rating information for a listing of the good and bad points of used cars.
  • Check the horn, lights, heat, air-conditioning, brakes, seat belts, steering, and seats out before you buy.  Also look for evidence that indicates the car was in a major accident.
  • Check with previous owner for the car’s accident and maintenance record.  Some states will send you a car’s history for a fee if you provide the car’s identification number.
  • Have a trusted mechanic go over the car and alert you to any potential problems.
  • Check the car for evidence of tampering like any marks on the odometer or numbers that don’t line up.
  • Look at the tires.  If the odometer reads less than 25,000 miles, the car should have the original tires –and they should all be the same brand and probably radials.


More teenagers are heeding warnings about drinking and driving, but they routinely face behind-the-wheel distractions from mobile phones to passengers that contribute to thousands of fatal crashes every year.  Teens often take the wheel amid commotion, angst or fatigue that would be challenging even for older drivers.

Researchers found that one teenage passenger with a teen driver doubles the risk of a fatal crash, while the risk is five times higher when two or more teens ride along.  Nearly 90% of teens reported seeing peers drive while talking on cell phones and more than half spotted drivers using hand-held games, listening devices or sending text messages. About 75 % said they see teens driving while tired or struggling with powerful emotions, such as worries about grades or relationships.

Researchers say they will use the study to push for legislation such as stricter requirements for graduated drivers licenses, which can include mandated supervised driving with parents, night driving curfews and passenger restrictions.

Driving While on Cell Phone Worse Than Driving While Drunk

Maneuvering through traffic while talking on the phone increases the likelihood of an accident five-fold and is actually more dangerous than driving drunk, U. S. researchers report.  That finding held true whether the driver was holding a cell phone or using a hands-free device, the researchers noted.

“As a society, we have agreed on not tolerating the risk associated with drunk driving,” said researcher Frank Drews, an assistant professor of psychology at the University of Utah.  “This study shows us that somebody who is conversing on a cell phone is exposing him or herself and others to a similar risk – cell phones actually are a higher risk,” he said.  According to his team’s report, there was a difference between the behaviors of drunk drivers and those who were talking on the phone.  Drunk drivers tended to be aggressive, while those talking on the phone were more sluggish. In addition, the researchers found talking on the phone reduces reaction time by 9% in terms of braking and 19% in terms of picking up speed after braking.  “This is significant, because it has an impact on traffic as a system,” Drews said.

In response to safety concerns, some states have outlawed the use of hand-held cell phones while driving.  But that type of legislation may not be effective, because the Utah researchers found no difference in driver performance whether the driver was holding the phone or talking on a hands-free model.  “We have seen again and again that there is no difference between devices.  The problem is the conversation. Drivers are not perceiving the driving environment.  We found 50% of the visual information wasn’t processed at all—this could be a red light.  This increases the risk of getting into an accident dramatically,” said Drews.

The reason that there aren’t more accidents linked to cell phone use is probably due to the reactions of other – more alert – drivers.  It is speculated that these drivers are compensating for the errors caused by cell phone users.

National Center for Statistics and Analysis found that in the United States, each day approximately 9 people are killed and more than 1,000 people are injured in crashes that are reported to involve a distracted driver.  A study from Cambridge Mobile Telematics found that 52% of all wrecks, drivers had been on their phones. Rae Tyson, spokesman for the National Highway Traffic Safety Administration pointed out that talking on the phone is very different than talking to the person in the passenger seat. “The passenger has some situational awareness, whereas a person on the phone has no idea what you are dealing with on the road,” he said. “We realize that a lot of people believe that they can multi-task, but it’s that moment when you need your full attention, and it’s not there because you are busy talking, that you increase the likelihood that you are going to be involved in a crash,” he said.  Tyson concludes by stating, “Our recommendation is that you should not talk on the phone while driving, whether it’s a hand-held or hand-free device.”

Another study by a Pennsylvania-based insurance company examining data from the Fatality Analysis Reporting System found that the No. 1 distraction, noted by 62% of surveyed drivers, is mind wandering or “lost in thought” while driving, and No. 3, noted by 7% of drivers, is looking at something or someone outside the car. Of course, the No. 2 distraction was cellphone use.

Parent/Teen Driving Agreement

If your teenager has just obtained a driver’s license, it may be hard to imagine handing over the keys to your car or his new car. The first years that teenagers spend as drivers are very risky. While getting a drivers’ license is an exciting rite-of-passage for teens, it can be enough to make a parent frantic. Here is something worried parents can do to protect their teens, sign a “Parent/Teen Driving Agreement.” To download your FREE copy of the “Parent/Teen Driving Agreement” click on the link below. Sit down with your teenage child, discuss the risks and rules of driving, review this driving agreement and both sign the agreement as a pledge to safe driving practices.

Parent/Teen Driving Agreement

Remember to call us today at 1-800-640-4743 or complete the Contact Form online for your teen’s FREE auto insurance quote prior to letting them drive. Protect yourself and your teen with PHD Insurance Brokers’ insurance coverage.