Graduated Teen Drivers License
A graduated teen drivers license is a concept that more states are going with these days in an effort to promote safety and to reduce the number of accidents, injuries, and deaths that teens suffer each year. Traditionally, teens in their first year of driving get into more accidents than drivers at any other time of their lives. They have little experience with cars, and probably cannot change a tire or replace the water pump. Teens in general are the highest risk age group for car insurance.
Insurance Industry and Teen Licensing
The insurance industry has gotten involved at the state level where auto insurance laws are created and administered, and lobbied for graduated teen licensing laws. These laws vary from state to state and there is no uniform standard that has been adopted around the country. But most of them do have some features in common, and it is useful to speak in generalities in an attempt to understand these rules and the reasoning behind them.
On a basic level, the intent is quite simply to limit the access that the youngest drivers (usually those under the age of 18) have to cars. Most commonly there are restrictions on passengers and curfew times during which newly licensed drivers on the graduated license are not supposed to be out driving. Often there is also some combination of the two, with restrictions banning passengers after a certain time of night.
Safety for Teen Drivers
The goal is to promote safety and to just give new drivers more practice in the most ideal conditions before allowing them too much leeway in the most difficult ones. Everyone acknowledges that as a general rule it is much easier to drive during the day than it is at night. There are many reasons for this, from visibility to the fact that after dark certain animals like deer are likelier to appear in the roads, especially in some areas of the country. Add to this the fact that depth perception and other effects of nighttime driving make it harder to see where you’re going, and it is obvious that curtailing this type of driving can benefit teens.
Graduated Licensing and Car Insurance
As most people are painfully aware, either from having teen children or from thinking back on their own experiences, teens pay very high premiums for auto insurance. Basically, looking at statistics they are a higher risk to insure than anyone else. But when we add graduated licensing and we limit the hours they can drive and passengers they can have with them in the car, the risk tends to decline.
And with this decreased risk theoretically should come decreased rates. A new driver that manages to stay free of accidents gets to see premiums lowered over the course of time. And graduated licensure definitely promotes that goal. So, although there are young people all across the country dead set against these rules, they do have some great benefits. Everything a driver can do to avoid accidents and other claims saves them money in the long run.
Best Training for Teen Drivers
Giving teenagers the chance to further develop their skills in a less threatening environment is a great way to help them reduce their risk of accident or injury. A restricted graduated teeen drivers license for young drivers under the age of 18 helps these motorists learn the ropes and gain experience in less threatening conditions. If you are a teenager about to get licensed under a program like this or a parent of a teen, look at the silver lining and recognize the value of these programs and the impact they are making in states all across the country.