As the new school year begins, parents across Annapolis and Frederick are juggling busy schedules, making sure their children are prepared for classes, extracurricular activities, and, for some, their newfound freedom on the road. This can be quite a nerve-wracking time. 

At Lindquist Insurance, we understand the concerns parents face when their teenagers get behind the wheel. From choosing the right insurance coverage to reinforcing good driving habits, here’s how you can protect your teen driver this back-to-school season.

1. Ensure Your Teen is Properly Insured

Whether your teen is driving the family car or their vehicle, they must be adequately insured. We recommend discussing coverage options with your car insurance agent to ensure you have policies that cover liability, collision, and comprehensive protection. Teens are more likely to be involved in accidents, making higher liability limits a good choice. Adding roadside assistance and uninsured/underinsured motorist coverage can also provide peace of mind in case they encounter unexpected challenges on the road. Parents should request potential discounts, such as good student discounts or savings for completing defensive driving courses. ***

2. Set Clear Rules for Driving

Before handing over the keys, it’s important to establish clear rules for your teen when it comes to driving. Driving is a huge responsibility, and setting expectations early on can help your teen make safer decisions behind the wheel.

Some rules you might consider include:

• No texting or using a phone while driving: Distracted driving is one of the leading causes of accidents among teen drivers. Encourage your teen to use apps that block notifications while driving or use hands-free devices if they need to communicate.
• Limit the number of passengers: Studies show that having multiple passengers in the car increases the likelihood of a teen being involved in an accident. Limiting your teen to one or no passengers can significantly reduce distractions.
• Curfew for driving: Night driving is more dangerous due to reduced visibility and an increase in impaired drivers on the road. Setting a curfew for when your teen must be off the road can keep them safer.
• Always wear a seatbelt: Reinforce the importance of seatbelt use for both the driver and all passengers. This simple habit can save lives.

By setting these ground rules and revisiting them regularly, you help establish responsible driving habits that will keep your teen safe.

3. Encourage Defensive Driving

Teens, by nature, tend to be more impulsive and less cautious, especially when they are still learning. This makes defensive driving an essential skill to teach your teen. Defensive driving focuses on being aware of other drivers, anticipating potential hazards, and practicing safe driving habits that reduce the risk of accidents.

Here are some key defensive driving tips to share with your teen:

• Keep a safe distance: Remind your teen to always leave enough space between their car and the vehicle in front. This gives them enough time to react if the car ahead stops suddenly.
• Follow speed limits: Speeding is a leading cause of accidents. Encourage your teen to obey speed limits and adjust their speed for road conditions like rain or heavy traffic.
• Be aware of blind spots: Teach your teen to check their blind spots before changing lanes and to be cautious of other drivers who may not see them.
• Stay calm and focused: Encourage your teen to stay calm in stressful driving situations, avoid road rage, and never take unnecessary risks.

Many insurance companies, including Lindquist Insurance, offer discounts for teens who complete defensive driving courses. These courses provide valuable education and real-world practice that can help your teen become a safer driver.

4. Regularly Inspect the Vehicle

Regular vehicle maintenance ensures the vehicle is operating at its best and reduces the chances of breakdowns or malfunctions that could lead to accidents.

As a parent, establish a routine for checking:

• Tire pressure and tread: Ensure the tires are properly inflated and have enough tread to provide good traction, especially in inclement weather.
• Brakes: Listen for any squeaking or grinding sounds that might indicate the need for brake maintenance.
• Lights and signals: Test headlights, brake lights, and turn signals to ensure they are working properly.
• Fluid levels: Check oil, coolant, and windshield washer fluid levels regularly.

Encourage your teen to take responsibility for their vehicle’s upkeep as part of their driving routine. You can make it a learning experience by showing them how to check these things themselves.

5. Have a Safe Driving Plan for School

The start of the school year means increased traffic, particularly in school zones. Remind your teen to be especially cautious when driving near schools, during drop-off and pick-up times, and in areas where children may be walking or biking.

Here are some back-to-school driving safety tips for your teen:

• Slow down in school zones: Speed limits are reduced near schools, and failure to slow down can result in accidents or costly tickets.
• Watch for pedestrians and buses: Watch for children crossing the street, especially when school buses are picking up or dropping off students.
• Avoid distractions: Remind your teen that driving requires their full attention, especially in busy school zones. No texting, eating, or other distractions should take their eyes off the road.

As parents, we want to protect our children in every way possible, including when they’re behind the wheel. So, set clear expectations, encourage defensive driving, and maintain their vehicle so they are safe as they head back to school.

At Lindquist Insurance, we’re committed to helping families in Annapolis and Frederick safeguard what matters most. If you have any questions about insuring your teen driver,  the licensed insurance agents at Lindquist Insurance can review your coverage with you and make sure your teen drivers are fully covered. Call (301) 694-0008 to speak to our experienced and licensed insurance agents for a consultation and quote. 

We serve the Annapolis, MD, and Frederick, MD areas. 

 *** For more information on Maryland car insurance coverage rules visit the state website.