Ever wonder why teen drivers tend to pay so much more for their auto insurance in RI? RI teens have a reputation for being fairly good drivers but younger motorists will always be regarded as high risk if only due to their relative inexperience. In 2009, 14 people aged 16-20 died in car accidents in RI, making RI the fifth lowest state for fatalities among people in that age group.
There are several ways RI is trying to combat teen car accidents. RI law prohibits drivers under 18 talking on a cell phone while driving as using a cell phone while driving is a distraction which significantly increases the chance of having an accident. A survey conducted by the Insurance Council revealed that 31 per cent of drivers aged 16-34 admitted texting while driving in the past 30 days, compared with 18 per cent of people aged over 34.
RI also has a graduated licensing system, where teens learn how to avoid high-risk situations when behind the wheel. The program has three stages: instruction permit, provisional license, and full operator license. You must be at least 16-years-old to get an instruction permit.
Teens may be encouraged to drive more safely if they understood how their driving affects their auto insurance. RI teens could be further motivated to drive carefully if they understand how much more they will have to pay on their insurance premiums if they have a poor driving record. With Podmaska Insurance Agency we can give you the coverage you need for your teen drivers. Contact us today and we’ll teach you safety!