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!
Wednesday, April 23, 2008
Teen GPS Tracking System
In my opinion, this is the greatest technological breakthrough for parents and their teen driver's safety. Before I go over the benefits to parents, let me explain how these systems work.
A little "black box" is installed usually under the dash where it can't be seen. This "black box" is basically a small computer that records it's exact location and is hooked up to certain features in the car- door locks and sometimes the ignition. It has a built-in antennae that send and receives signals to a satellite.
This data can be viewed from a website that is hosted by the GPS provider. Parents can monitor the vehicle's location and speed by visiting the website. Most systems can also allow the user to set alerts for speeding, braking curfew, or driving beyond a pre-designated area. These alerts can be sent by text message, e-mail or a phone call. It can also be used to un-lock the car doors in case the teen leaves the keys in the car- most parents would love this feature!Since speeding is the leading cause of teen driver deaths, this tool is a must for parents!
I have been able to work out special pricing for systems like this that can allow parents to save 50% on these units and in some cases parents, can get this system installed for free! Go to my website for more details- www.teendriverinsurance.com/stromsoe
A little "black box" is installed usually under the dash where it can't be seen. This "black box" is basically a small computer that records it's exact location and is hooked up to certain features in the car- door locks and sometimes the ignition. It has a built-in antennae that send and receives signals to a satellite.
This data can be viewed from a website that is hosted by the GPS provider. Parents can monitor the vehicle's location and speed by visiting the website. Most systems can also allow the user to set alerts for speeding, braking curfew, or driving beyond a pre-designated area. These alerts can be sent by text message, e-mail or a phone call. It can also be used to un-lock the car doors in case the teen leaves the keys in the car- most parents would love this feature!Since speeding is the leading cause of teen driver deaths, this tool is a must for parents!
I have been able to work out special pricing for systems like this that can allow parents to save 50% on these units and in some cases parents, can get this system installed for free! Go to my website for more details- www.teendriverinsurance.com/stromsoe
Prom Season is Here!
Hi!
This is an exciting time of the year for teens. Prom season, graduation, and the upcoming summer break are all on their minds.This is also a time when, more than any other time of the year, parents must remain vigilant on their teen driver's safety. Why? Because this is when the number of teen driver accidents increase along with the number of deaths.So, what can you do?
First, start by talking with your teen. Express your concerns and stress the importance of not drinking and driving. This discussion with your teen will help them understand the dangers as well as the responsiblity they have to their passengers and others on the road.
Second, consider getting a contract between you and your teen driver. You can get a copy by visiting my website at http://www.teendriverinsurance.com/stromsoe. This contract will put in writing the rules they must follow in order to continue enjoying their priviledge of driving.
Third, make sure your teen understands that you are always willing to pick them up, no matter what time it is, if they have been drinking. You may not know whether your teen drinks alcohol, but statistics prove that the majority do. Don't take a chance because you think your teen doesn't drink. Just make sure that if they ever get into a situation where they even had one drink, they should never get behind the wheel. Let them know that you'll be glad to pick them up.
Best of luck during this dangerous time and I wish you and your family good health, happiness and prosperity!
This is an exciting time of the year for teens. Prom season, graduation, and the upcoming summer break are all on their minds.This is also a time when, more than any other time of the year, parents must remain vigilant on their teen driver's safety. Why? Because this is when the number of teen driver accidents increase along with the number of deaths.So, what can you do?
First, start by talking with your teen. Express your concerns and stress the importance of not drinking and driving. This discussion with your teen will help them understand the dangers as well as the responsiblity they have to their passengers and others on the road.
Second, consider getting a contract between you and your teen driver. You can get a copy by visiting my website at http://www.teendriverinsurance.com/stromsoe. This contract will put in writing the rules they must follow in order to continue enjoying their priviledge of driving.
Third, make sure your teen understands that you are always willing to pick them up, no matter what time it is, if they have been drinking. You may not know whether your teen drinks alcohol, but statistics prove that the majority do. Don't take a chance because you think your teen doesn't drink. Just make sure that if they ever get into a situation where they even had one drink, they should never get behind the wheel. Let them know that you'll be glad to pick them up.
Best of luck during this dangerous time and I wish you and your family good health, happiness and prosperity!
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