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It’s August and back to school season is just around the corner.  Are you prepared?  Here are a few tips to get you and your family ready “insurance” wise!

Talk About Safety!  

Do you have young children who will be walking or riding their bike to school?  Take time to talk about safety and do a “dry run” of the school route.  

Have your children practice following the sidewalks, understanding the traffic lights, stranger safety, and what to do in case of an emergency.  

Don’t forget to buy new helmets or other safety gear so that it’s the right fit for the new school year.  There are some great video resources on bike safety for a variety of ages available here:  http://www.pedbikeinfo.org/bicyclesaferjourney/

Cell Phone Safety

If your children are a little older, then you have another safety discussion!  Talk about the rules for using cell phones while driving, especially in regards to texting.  In 2012, driver distraction was the cause of 18% of fatal accidents.  Some studies have shown that texting increases the risk of a crash 23 times over driving while not distracted!  

Set up clear consequences for distracted driving and be clear with your teens about the dangers.  If you need ideas, here is a sample contract to create between you and your teen driver that you can adjust as needed - http://www.hagen-law.com/teenage-drivers-contract/  

Get Good Grades

Depending on your policy, you may be eligible for discounts when your teenage driver has good grades!  Encourage them to keep their grades high for many reasons, with better insurance rates being one of them.  This is especially motivating for teens that have to pay for their own insurance!

There are also some discounts available for drivers ed and additional drivers training courses.  Give us a call to discuss what is available on your particular policy.    

College Kids Count Too!

While you’ll want to remind your college age kids about not driving distracted, there are a few other things to consider for them too.

Depending on your Homeowners insurance, you may or may not need additional coverage for your college student’s belongings while away at school.

Those laptops, textbooks, clothes, and electronics can add up fast!  While Homeowners insurance does provide coverage for property off premises, it may not be enough (or may have a high deductible).  

We can review your current policy and look at options for covering your student’s belongings through your Homeowners or a new Renters insurance policy. 

If you have questions about your college students or teen driver’s insurance, give us a call today.  And enjoy going back to school!

Posted 3:29 PM  View Comments

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