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We hope that everyone is having a fun and safe summer.  It is hard to believe that it is the end of July already!

The Ohio Department of Insurance recently published an article urging parents/guardians to discuss safe driving with teen and to review insurance.

1.  Lay the Ground Rules:  Establish safe driving rules.  For example:  not speeding, seat belt usage, minimal number of passengers, no mobile phone texting (illegal for teens in Ohio as is talking on the phone for those 17 and under), and the amount and time of day driving is allowed.  Details about Ohio's distracted driving law are available at www.bmv.ohio.gov.

2.  Shop Around:  Compare costs and coverages between insurers since having a teen driver, who is considered higher risk, in the household does greatly affect the family's auto insurance premium.  Take advantage of discounts that various companies offer.

3.  Purchasing a Vehicle for your Teen Driver?  The difference in the cost of auto insurance for a teen driving a newer, expensive sports car versus a modestly priced economy car with liability coverage only can be significant.  Discuss your options with your insurance agent.

4.  Consider Revising Deductibles, Coverages:  You can lower your auto insurance premium by raising deductibles on physical damage coverages.  Also, you may want to consider eliminating physical damage coverage on older vehicles-unless a lienholder requires the coverage to be maintained.

Your insurance agent is available to discuss with you different options that may be available to help reduce your auto insurance premiums.

Please drive safely and watch out for bicyclists and motorcyclists.

Enjoy the rest of your summer!
Posted 12:00 PM  View Comments

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