Your Teen Will Drive Soon
My Baby's Turning 16
That means your son or daughter is ready to get their license and start driving. It's that big step out the door -- a path to freedom, part of their rep with their friends and a chance to show off.
And for you, that's scary. We get it.
Teen Driving Statistics
Insurance is more expensive for young drivers. There's a greater risk that they'll be in an accident. Don't believe us?
Motor vehicle accidents are the leading cause of death for people ages 15-24.
12.5% of deaths resulting from car accidents involve teens 15-19.
Teen drivers are 3 times more likely to be in a serious or fatal collision when other teens are passengers, according to Ontario research.
In about 30% of fatal motor accidents involving teens 16-19 years old alcohol is a factor.
Young drivers are among the least likely to wear their seatbelts.
We're not trying to scare you, but you need to be aware of the risk factors for your child -- distractions, impaired driving, speeding, seat belt use and night driving.
Driver Education Is So Important
Getting a driver's license is likely different for your child than it was when you got yours. Ontario now has a Graduated Licensing System.
Graduated Licensing introduces teenage drivers to the road in stages and gives them time to get experience. For most young drivers this is a two-step process that takes just under two years. (There's a maximum of five years to finish the whole process.)
First there is a G1. Basically your teen has to drive with a fully licensed driver with at least four years driving experience and a blood alcohol level of less than 0.5. They also can't drive between midnight and 5 a.m. or on a 400-series highway.
After about a year, your teen then takes their first road test. Then your teen will get their G2 license. This level has fewer restrictions. But if your teen is under 19, they can still only drive with 1 passenger who is 19 or under between midnight and 5 a.m. for the first six months. And your teen must have a zero blood alcohol level and carry only as many passengers as there are working seatbelts.
After the next test, your teen will have a full G license.
Understand Ontario Fraud Laws
We understand -- teen drivers are expensive to add to your policy. But it's extremely important to add the new driver to your auto policy. It's not going to save you money if they're in an accident. Claims can be denied if the driver is an undisclosed household operator.
Are There Ways To Save A Few Dollars On Insurance For Teens?
Insurance companies surcharge young drivers in three areas:
- Comprehensive (theft)
- Collision (damage caused to the vehicle in an accident
But there are a few things to consider when buying your teen their first car. They may want the sportiest new car out there, but think about the impact of that on your Auto Insurance.
An older, lower-value vehicle doesn't required comprehensive or collision. That means the premium will be considerably less than a newer one which will require full coverage.
Your son or daughter can also be eligible for the Driver Training Discount. Any driver under the age of 25 that has successfully completed an acceptable drivers' education course approved by the Provincial Government Department can receive a discount. The course must include:
- 8 classroom lectures
- 6 practice driving lessons of at least 1 hour with only 1 lesson/per day
We can help you make a good choice for you teen. Contact Secure Insurance Solutions and one of our brokers can help you.