Defensive Driving Brings Big Savings
Insurance companies are trying to push through a graduated driver licensing program in all fifty states. Most estimates show that improved driver safety in teenagers, either through attendance in a defensive driving course NY (which can greatly decrease your premiums in New York and New Jersey) or a graduated driver licensing program, reduce property damage and deaths from automobile crashes. There is real evidence of the effectiveness of a two-tiered approach, but emphasis on defensive driving is the key.
Defensive driving does not mean you need drive faster than everyone else, or have your middle finger ready to ward off tail-gaters. It means be aware of the importance of focusing your full attention on the road ahead of you and not allowing yourself to be distracted while driving.
There is no substitute for the level of confidence driver’s can get by successfully completing a NY defensive driving course, but a graduated driver’s licensing program does help.
Right now Congress is considering a series of new health and safety measures as part of a comprehensive highway and infrastructure budget spending bill. Insurers and the National Safety Council hope they will consider making a graduated driver licensing program a federal law enforced in all 50 states. Most of these programs, enacted already in several states, involve a three step system for teenagers looking to get their hands on a driver’s license. The first step involves the teen passing a qualifying test to get their learner’s permit. With their learner’s permit they will only be allowed supervised driving privileges with an adult in the vehicle. Once they complete the requisite number of supervised driving hours they will receive an “Intermediate License” which will allow them to drive only during certain hours, with a limited number of passengers and limited, if any, use of cells phones in the vehicle. Once their time with an Intermediate License is complete they will graduate to a full driver’s license.
In states which use a graduated driver’s license program the number of teenage drivers involved in crashes shows a marked decline. Even with these controls, however, more teens are involved in vehicle accidents than any other demographic. This means the use of a defensive driving course coupled with a graduated driver licensing program will only serve to make the streets even safer for teenage drivers and anyone who shares the road with them.