Is Your Teen Ready to Drive?

According to the Secretary of State in Illinois, traffic accidents are the main danger to our older teens. There are a variety of reasons for this, and the main way to prevent teen driver accidents is to make sure that your teen driver is truly ready for the responsibility of driving before allowing them to be behind the wheel.  

Ways to Increase Driver Safety for Your Teen

  • Ride with them often. The more often you allow them to drive when you are going someplace together the more likely you will be able to use mistakes as teaching moments that can end up saving a life. Also the more often you allow them to drive with you in the vehicle the more experience they will get in general. 
  • Implement a solid no-texting while driving rule. Distracted driving is deadly driving so make sure your teen knows the risks. There are a lot of YouTube videos that can drive home the point if you want to use scare tactics. Many parents choose to lock their teen’s mobile devices in the trunk or glove compartment when they leave so they know their teen will not be in the habit of checking each time a text dings. 
  • Teach your child that driving is a responsibility and a privilege, not a right. If they have not proven to you that they are not mature in other facets of their life, then they may not be ready for the responsibility of driving. Use your best judgment for the safety of your own teen and other people on the road. 

At Alcorn Insurance Agency we want the leading cause of death for people between age 15 and 20 to change. For the best insurance rates and driving tips in and around Centralia, IL contact us today.  

What is a Normal or Low Risk Driver

In the insurance world, there are plenty of terms that you will come across that might need further explaining. The term normal or low-risk driver is just that. For those in the Centralia, IL area, the agents with Alcorn Insurance Agency can help define these terms.

For our basic needs, the term normal or low-risk driver refers to those drivers that are least likely to have an accident or file a claim against their insurance. These drivers are generally over the age of 25, have a safe driving record, have not filed any claims within the past five years, and are often married or have a stable job and home or residence.

These are all factors that help to make a driver low risk. The idea is that these drivers are going to be safer because they do have more experience than younger drivers, they are not at an age where they are going to be inattentive, and they have a home and other items that would make them want to be careful when driving.

Those drivers that are under the age of 25 and over the age of 70 are both going to be considered higher risk drivers. The first group is higher risk because of lack of experience while the other group is higher risk due to factors related to aging. No matter what group you fall into, the longer you go without an accident or without a ticket or infraction, the better your rates are going to be and the lower your premium is going to be.

For those that still have questions and live in the Centralia, IL area, Alcorn Insurance Agency can help you to answer your questions and help you determine if you are a high-risk driver or simply a normal low-risk driver.