Need to Know: Separation Anxiety
Road worriers
Letting go is a rite of passage for parents of teen drivers
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Yet another bite that comes with having a teen driver in the house -- increased insurance premiums.
Larry Thursby is a vice president of auto products for Nationwide Insurance. He said that while statistics show teens are seven times more likely than adults to get into an accident, their insurance premiums are rarely seven times higher.
"That just wouldn't make sense because we recognize the value that the whole family's portfolio has to us," Thursby said, noting there are a number of ways that parents and teens can reduce the financial stress of auto insurance:
- Good student discounts. Generally a B average nets a 25 percent reduction.
- Discounts for driver's training. Nationwide also offers an online course to supplement state-mandated training.
- Purchasing "accident forgiveness" coverage. This is basically insurance that your insurance rates won't go up after an accident.
Age Appropriate
Separation Anxiety- 0-2: When to wean
- 3-5: Breaking the Pull ups habit
- 6-12: Manage the redistricting blues
- 16-18: Teens driving themselves to school
Sally Calhoun Williams just launched two teens onto the road this past year -- her son Drew, 17, and her daughter Brittany, 16, both students at Pickerington North High School.
Though the school is only two miles from their home, Williams, pictured here with Brittany and Drew, said the relief she feels not having to chauffeur two busy teens is often
outweighed by the anxiety of wondering if they're OK.
"It's nerve-wracking because you worry every time you hear a siren," Williams said. "They haven't had any fender benders, knock on wood, but you don't want to think about it."
Chris Hucek of Delaware is sending her 17-year-old daughter Alayna about 20 miles south every morning to Bishop Watterson High School in Columbus. It's not so much Alayna's driving skills that worry her -- it's the other drivers on the road.
"One day she said she could see this accident happening before it happened," Hucek said. "But I tried to let that make me feel better because it meant she was watching the whole road."
Letting go and letting your teen take the wheel is a rite of passage for many parents.
"There is a part of you that says you have to let them grow up," Hucek said. "Every time you let them do one more thing on their own, it's good."
But it's hard. Both Hucek and Williams said that getting good training and laying down firm rules about curfews and checking in often via phone (but not while driving) has helped alleviate their concerns.
Williams said she thinks that holding off on handing over the keys also makes a difference.
"My son, because of his baseball schedule, didn't get his license (as soon as his younger sister did)," Williams said. "I can totally see the difference that just a year makes with the maturity level. There's no need to push it."


