Hi,
I just received some exciting news from one of our insurance companies, Safeco. This company has been on the leading edge of teen driver safety and working to reduce the number of accidents involving teen drivers.
Last summer, they launched a new system called Teensurance to help their customers keep their kids safe. This is a GPS based system that is installed in the teen's car and alerts parents of dangerous behaviors such as speeding, driving beyond an allowed territory and breaking curfew.
Well, Safeco just announced that they are now offering this system to any parent that wants to get this system installed in their kid's vehicle. They will pay for the installation and the unit if the parent agrees to a 2 year contract. Similar systems can cost as much as $800.
There is a $14.99 per month monitoring fee which gives the parent website access to create and adjust the parameters for the alerts, view the location of the vehicle and it will even allow you to un-lock the car doors in case your teen gets locked out.
Along with the GPS system comes roadside assistance and other teen driver safety tools.
If you would like more information, visit my website www.teendriverinsurance.com/stromsoe or call my office at 951.600.5751
Mike
PS Safeco is offering a 15% discount for anyone that is a Safeco customer or that becomes a customer. This 15% discount, in most cases, will pay for the monitoring fee just from the savings on their insurance. Call my office to become a Safeco customer and take advantage of this big discount. Considering the high rates for teen drivers, this could really be significant.
Wednesday, May 28, 2008
Tuesday, May 20, 2008
Study Reveals That After School is a Dangerous Time for Teens
Most parents have always been concerned about their teen driver children when they head out on the road at night. And rightfully so. Driving at night is a very dangerous time for teens. But, a recent study shows that the time right after school is also a very high risk time for teen drivers.A study by AAA indicates that weekday afternoon driving time is almost as dangerous for teens as night driving. The researchers studied the number of fatal crashes involving teens between 2002 and 2005.
They found that 16 and 17 years olds were involved in almost as many fatal crashes between 3 and 5 pm on weekdays as they were on Friday and Saturday nights between 9 pm and 2 am. There were 1100 weekday fatal accidents and 1237 weekend evening fatal accidents.
This month, I want to share with you another costly mistake I find many parents make when insuring their teen driver.
Place the young driver on a separate policy- This is usually one of the first options many parents consider. They think if they buy a separate policy for their teen driver, the rates for their other cars won't go up.
This is a myth for three reasons:
First, there won't be a multi-policy discount for the single car on the teen's policy. This discount is usually significant and you'll lose that savings.
Second, you will have to buy your teen's policy from a "high-risk" insurer. "High-risk" insurance companies charge rates that are more than double the rates of a standard company.
Third, and the most costly reason, is that you won't be able to get the right coverage required for teen drivers from a "high-risk" insurance company. These companies offer lower liability limits because the drivers they insure have more claims that result in high lawsuits. So, they limit their exposure for each driver. And since, teen drivers have a history of high claims, this may not be enough coverage if your teen causes a serious accident. You, as the parent, will then be at risk for a lawsuit.
To make sure you and your family are properly protected, call my office today at 951.600.5751. We'll review your coverage and discuss changes that will benfit your family.
They found that 16 and 17 years olds were involved in almost as many fatal crashes between 3 and 5 pm on weekdays as they were on Friday and Saturday nights between 9 pm and 2 am. There were 1100 weekday fatal accidents and 1237 weekend evening fatal accidents.
This month, I want to share with you another costly mistake I find many parents make when insuring their teen driver.
Place the young driver on a separate policy- This is usually one of the first options many parents consider. They think if they buy a separate policy for their teen driver, the rates for their other cars won't go up.
This is a myth for three reasons:
First, there won't be a multi-policy discount for the single car on the teen's policy. This discount is usually significant and you'll lose that savings.
Second, you will have to buy your teen's policy from a "high-risk" insurer. "High-risk" insurance companies charge rates that are more than double the rates of a standard company.
Third, and the most costly reason, is that you won't be able to get the right coverage required for teen drivers from a "high-risk" insurance company. These companies offer lower liability limits because the drivers they insure have more claims that result in high lawsuits. So, they limit their exposure for each driver. And since, teen drivers have a history of high claims, this may not be enough coverage if your teen causes a serious accident. You, as the parent, will then be at risk for a lawsuit.
To make sure you and your family are properly protected, call my office today at 951.600.5751. We'll review your coverage and discuss changes that will benfit your family.
Monday, May 5, 2008
Teen Driver Loses Control-Passenger Dies
Last week, another teenager lost his life to one (or two) of the most common driving mistakes teens make.
At 7:30PM Sunday night, two teenagers were driving on a rural road when the 17-year-old driver lost control and went through a guide wire fence and crashed into a tree. The driver survived and is in the hospital and the 17-year-old passenger pass away at the scene.
It's too early to tell exactly if speed was a factor but over-correction was probably part of the reason why he lost control.
Over-correction happens when a driver begins to lose control and quickly over corrects the steering wheel causing the vehicle to spin. Teen drivers commonly make this mistake because they don't realize the effect of a hard turn at high speed will have on the vehicle.
With a holiday weekend coming up at the end of the month and summer approaching quickly, we must make sure we have pertinent conversations with all inexperienced drivers who might not know how to handle the power and speed at their disposal.
We hope this helps. For more free information, please visit www.teendriverinsurance.com/stromsoe for many helpful tools. Also, please scroll down and review all of our blogs.
I wish you and your family safety, good health, happiness and prosperity!
At 7:30PM Sunday night, two teenagers were driving on a rural road when the 17-year-old driver lost control and went through a guide wire fence and crashed into a tree. The driver survived and is in the hospital and the 17-year-old passenger pass away at the scene.
It's too early to tell exactly if speed was a factor but over-correction was probably part of the reason why he lost control.
Over-correction happens when a driver begins to lose control and quickly over corrects the steering wheel causing the vehicle to spin. Teen drivers commonly make this mistake because they don't realize the effect of a hard turn at high speed will have on the vehicle.
With a holiday weekend coming up at the end of the month and summer approaching quickly, we must make sure we have pertinent conversations with all inexperienced drivers who might not know how to handle the power and speed at their disposal.
We hope this helps. For more free information, please visit www.teendriverinsurance.com/stromsoe for many helpful tools. Also, please scroll down and review all of our blogs.
I wish you and your family safety, good health, happiness and prosperity!
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