State Farm Provides Insurance For All of Life’s Uncertainties

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“School’s out for summer” means three months of fun for students, but unfortunately it also results in more accidents on the road. As Menifee residents can attest, there has definitely been an increase in fatal accidents in the surrounding area this summer.

According to research by Students Against Destructive Decisions, teenagers spend 44 percent more hours driving each week in the summer than during the school year. This, combined with the already higher odds of a teen driver getting into an accident, results in more accidents happening during the summer. In fact, car crashes are the leading cause of death for 15- to 20-year-olds.

"Teens think they are indestructible and often engage in risk-taking behavior," said Loretta Worters, vice president of the Insurance Information Institute. "They are distracted by things they shouldn't do in a car, like eating, talking on their cell phones, text messaging, talking to friends in the car – and they often don't wear their seat belts."

The first precaution parents can take is to educate their teen drivers about driving safety and the dangers of distracted driving, and secondly to make sure they are properly insured. The Insurance Information Institute has put together a helpful safety checklist to help ensure the safety of young drivers as well as financial protection for you.

1. Pick a safe car.
2. Talk to your teen about the dangers of combining driving with alcohol, drugs, lack of sleep and distractions.
3. Be a good role model.
4. Insure your son or daughter on your own policy.
5. Increase your liability insurance. State minimums for liability insurance will probably not be enough to fully protect you from lawsuits should your teen get into an accident.
6. Raise your deductible. Going from a $250 to $500 or $1,000 deductible can save you 10 to 20 percent on your premium.
7. Let your insurer know if your teenager is going away to school. You may be eligible for lower premiums once your teen heads to college, providing he or she leaves the car behind.
8. Encourage your teen to get good grades and to take a driver training course. Most companies will give discounts for getting at least a "B" average in school and for taking a recognized driver training course.

State Farm Insurance wants to make sure that you and your teen are protected from the unexpected risks of everyday life; call them for a quote today.




Lisa Perez Houghtaling Agency
29950 Haun Rd Ste 205
Menifee, Ca. 92586
Office 951-723-1900 Fax 951-723-1921

Office Hours:
Monday-Thursday: 9am- 6pm
Friday: 9am-5pm
After Hours/Weekends: By Appointment
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2 Comments:

  1. I think that the whole "Teens think they are indestructible" is the wrong way to think about it. I like to think that teens don't think that things will happen to them and that's different. When you say "teens think they are indestructible" it feels like it's a teens fault for being ignorant about their ability, and I feel that is wrong. These young people make mistakes because they are young so things do happen and when they do, they learn from them.

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  2. You are splitting hairs here. Its saying the same thing only phrased differently.It describes the way teens engage in risk-taking behavior.Its not part of their thought process to consider the danger,hence the "indestructible" approach.Teens do make mistakes because of their inexperience,unfortunately some can be fatal.You have just made the perfect argument why the driving age should be raised and much more restriction placed on teen drivers.

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