Last week I introduced 5 driving scenarios to expose your teen driver to including left turns, dead traffic signal, rail road crossings, highway driving, and rush hour driving (see http://50.87.248.161/~wiseinsu/exposing-teen-drivers-to-different-driving-scenarios/). The reason for doing this is to give your teen practice at learning how to deal with complex traffic situations.
I’ve been driving for 40 years which sounds a lot longer than it actually feels. I’ve seen a lot of interesting driving scenarios during that time; people making turns from the wrong lane, cars driving the wrong way on a one way street, people moving across 4 lanes of traffic to make an exit, others who stopped on an entrance ramp, deer crossing a highway, people drifting into my lane, and much more. It continues to amaze me how fast a driving situation can change and how equally fast I’ve had to respond to what’s happening around me.
If you think Texas car insurance rates are on the rise, it’s not your imagination. Based on a report released earlier this year by the National Association of Insurance Commissioners, Texas premiums now rank 11th highest in the nation. Two years ago, we were ranked 14th highest in the nation. The average Texas car insurance premium, based on the 2009 data used for the NAIC report (the most recent nationwide data available), is now $1,022 a year. The national annual average rate is $901.
A client sent me an email two weeks ago that turned into an enjoyable “conversation” over a series of email messages. My client has a teen daughter that’s about to get her learner’s permit and she wanted to know when she should add her daughter to her car insurance policy.
was talking with one of my Dallas area clients a couple of weeks ago. He’s a dad with a son that’s about to turn 16. We were reviewing what would happen with his car insurance when his son got his license. I confirmed the obvious first, it will go up the moment we add his son to their policy and what the increase will be.
?One of my clients called me last year with a question that was pretty interesting. She’s a Dallas area mom with a son who was about to turn 15. While she was already wondering what was going to happen to her car insurance premium when her son turned 16, her question was: Will she get a better discount if her son takes the parent-led vs. instructor-led driver education?
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