Teen Drivers & Auto Insurance

Tips to Keep Auto Insurance Costs Down

Being the parent of a teenager that is getting ready to climb behind the steering and venture out on the road is uncharted territory for many. Insuring your new driver can be an expensive endeavor and even overwhelming to think about. We are here to help! The risk of motor vehicle crashes is higher among 16-19 year-olds than any other driving age group. Here are some helpful tips we have gathered to assist you in keeping your premiums as low as possible and to help keep your new teen driver safe and accident-free.

Add Your Teen to Your Auto Policy

Rather than setting up an independent policy for your teen driver, consider adding him or her as an additional driver on your auto insurance policy. Also, if you have more than one vehicle, keep costs down by designating which vehicle your child will be driving.

Deductible Considerations

Auto deductibles typically range from $250 to $1,000. By upping your deductible and using your insurance for big repairs, you can significantly reduce your premium.

Ask for the Student Discount

If your teenager maintains at least a 3.0 grade point average (GPA), he or she typically qualifies for a rate discount.

Weigh Your Buying Decision

Wanting to get your teenager a new car to drive with the latest safety equipment is understandable, but you may be better off purchasing a safe, used vehicle in terms of premium prices.

We’re Here to Help   

Contact our office by phone at 866.374.5084 or CLICK HERE to learn more about all of our automobile insurance and personal risk management solutions.

Top Ways to Save on Your Auto Premium:

  • Consider increasing your Comprehensive and/or Collision Deductible(s)
  • Inquire about a good student discount
  • Have your teen keep up their safe driving record
  • Confirm if there are any multi-policy discounts available to you.

Are you interested in a Parent/Teen Driving Agreement? A driving contract or agreement with your teen can help reinforce that driving is a privilege that should be taken seriously, may help eliminate any confusion about you and your families’ rules when it comes to driving, and provide pre-established consequences to utilize in the event the driving rules are broken. If interested, we have a Parent/Teen Driving Contract available for you to use at your own discretion. Download your copy today. 

Parent/Teen Driving Agreement

 

 

Set Your Expectations for Safety and Minimize Distracted Driving

Teens can get distracted easily. To help reduce potential accidents:

  • Restrict your teen’s nighttime driving
  • Do not allow them to drive with more than one other person in the car
  • Ban cell phone use while driving
  • Lead by example with your own driving habits
  • Ride with your son or daughter occasionally to make sure they are keeping up with the safety habits that they learned in driver’s education

Consider these best practices before your teen starts driving:

  1. As soon as your teen is ready to get his/her learner’s permit, contact Acentria.
  2. If your child gets into an accident, we will generally cover it but may charge a higher premium retroactively if you did not notify them that your child was driving. In rare cases, your coverage may be revoked.
  3. Do not lower your liability coverage drastically to combat rate increases. It simply does not make sense to carry less liability for higher-risk teen drivers. You will be forced to cover damages out-of-pocket if your child gets into an accident without enough coverage if you do not carry adequate car insurance coverage.
                                                                          

You have heard various statistics over the years and may have even experienced them yourself. Did you know that – According to the Centers for Disease Control and Prevention, Teenage drivers are most likely to have an accident during their first year of driving. Teens give in to peer pressure from passengers easily and are more likely to speed or race other vehicles while in the presence of their peers. The National Institute of Mental Health claims that the part of the brain that weighs risks, makes judgment decisions and controls impulses are not fully developed until the age of 25.

To think of the risks teen drivers face can be daunting. No matter what is to come on the road ahead, we encourage you to review your current auto insurance policy with a licensed insurance agent, consider additional liability coverage under a personal umbrella policy and continue the conversation with your teen driver regularly.

Quote My Auto Insurance

Request a personalized auto insurance quote from Acentria Insurance
or a policy review by clicking the link above. 

 
Disclaimer: For information purposes only. The information provided herein is not intended to be exhaustive, nor should it be construed as advice regarding coverage. Eligibility for coverage is not guaranteed and limited to the terms and conditions contained in the applicable policy. © 2008, 2010, 2016 Zywave Inc. 

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Rob Wagner

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Southwest Florida Region

Jason Cruse

Executive Vice President
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Mitch Weinstein

Partner

As partner of Acentria Insurance, Mitch plays an integral role in mergers & acquisitions. He focuses on seeking out strategic like-minded partners and agencies, across the southeastern United States, to partner and join the Acentria family.

Mitch has over 42 years of business leadership experience that ranges from law enforcement to the finance, healthcare and insurance industries. He was instrumental in developing the nation’s first “at-risk” managed care network for physical and occupational therapy serving the worker’s compensation industry. This network paved the way for a new managed care system, based on incentives.

Mitch is passionate about giving back to the youth of his community. He is an active supporter of the Boys & Girls Clubs of Polk County and believes in helping all young people reach their full potential. He is also the founder of Fallen First Reserve which is a non-profit organization dedicated to financially assisting those family members of First Responders killed in the line of duty and military members killed in action. Mitch also serves on the board for Fund the First.

Mary Lawless

President & Chief Operating Officer

As President and Chief Operating Officer, Mary brings over three decades of industry expertise to Acentria Insurance. With a strong focus on Mergers & Acquisitions, Mary is passionate about partnering with new agencies and leaders to continue the overall upward growth of Acentria. She works in conjunction with the CEO to lead and deliver specialized sales products, services and industry leading capabilities while implementing business and sales strategies to the Acentria sales team and carrier partners. Mary has direct oversight of all operational leaders throughout the entire organizational footprint and is responsible for operational financials and budgets.

She empowers her team members and because of it, is well respected by her peers and those she leads. Since her time with Acentria, Mary’s leadership has contributed to the agency’s exponential growth from 15 to well over 50 locations, increasing employment to over 700 team members, across the southeastern United States. Due to her leadership and contributions to the insurance industry, she has been nationally recognized as one of Insurance Business America magazine’s Elite Women and serves as a valuable member on the Executive Committee for Foundation Risk Partners, Acentria’s parent company. Prior to joining Acentria Insurance, Mary led operations for another national broker. Throughout her tenure, she has held a variety of management positions in Personal Lines, Select Business and Employee Benefits. Mary specializes in agency operations, partnerships and acquisitions and is truly passionate about developing team members to become great leaders.

When not shaping the future industry leaders at Acentria Insurance, Mary enjoys traveling and spending time with her husband, Pat and their family and friends.

Kendall McEachern

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Kendall was a fundamental part of Acentria Insurance. As a co-founder, he brought more than 30 years of industry expertise to Acentria, helping transform the organization into a leading insurance provider. Beloved by team members, carrier partners and clients, he oversaw more than 400,000 insured multi-family units with property values greater than $22 billion, and over four million square feet of commercial office space and real estate buildings. Kendall has received numerous industry awards to include being recognized as a National Top Producer and Agent of the Year by both Insurance Business America and Insurance Journal. Away from the office, he served as chairman for the American Heart Association, actively participated in his church and golfing, watching sports and spending time with his family. Kendall passed away in January of 2021, leaving a lasting legacy on Acentria’s culture, success, industry-wide reputation – and on all of us fortunate to have worked alongside him.

Liz Bevelacqua

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Doreen Castro

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Jessica Davis

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Jackie Shaw

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Nathan Marks

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Alan Florez

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Alan leads new business growth strategies and expansion, guides the development of resources and training for Sales Producers and their partnerships with Carriers. With over 15 years of industry experience, Alan also leads the Acentria Public Risk divisions working with municipalities and government entities for their coverage needs. He was appointed to the Halifax Health Board of Commissioners December 2020 and also serves as an Executive Committee member for our parent company, Foundation Risk Partners.

Previously, Alan served as Governor Jeb Bush’s Deputy Director of Legislative Affairs and Special Assistant. He is a former member of the University of Central Florida Board of Trustees and currently volunteers his time with the Florida Council of 100, Futures Foundation of Volusia County Schools and the Community Foundation of Flagler and Volusia. Alan holds a bachelor’s degree in Political Science from the University of Central Florida.

Brian Stanton

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Chris Tolland

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Luke Wolkers

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Kevin Mason

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As Chief Executive Office of Acentria Insurance, Kevin focuses on developing insurance solutions that strengthen Acentria’s presence in the market and its commitment to client-relationships and exceptional service. With over 35 years of industry experience, he specializes in the overall growth of Acentria as is passionate about bringing new talent to the organization both organically and through mergers and acquisitions. Through his leadership and the support of the Executive Leadership team, Acentria Insurance instills a positive corporate culture which has led the agency in being recognized as a leader within our industry as a Top 100 Workplace, Employer of Choice, Best Agency to Work For and several other national and regional accolades.

Before co-founding Acentria Insurance, Kevin served as Branch Manager for another national broker. Kevin holds the prestigious title as an Agent of the Year and five-time National Top Producer. He is also a key member of the Foundation Risk Partners Executive Committee, which is the parent company of Acentria Insurance, while also serving as the National Director for Carrier Relations. In addition, Kevin oversees the Sales Leadership Council, which encompasses sales leaders across the entire FRP footprint in an effort to develop and refine shared resources while offering producer training and development programs.

Kevin received a Bachelor’s Degree in Management from the University of West Florida. He is very active in his community and served over a decade on the Board of Directors of Destin Charity Wine Auction Foundation and remains as a trustee, which funds over 14 children’s charities along the Florida Panhandle. He is also a member of the Destin Chamber of Commerce, Community Association Institute and Florida Association of Insurance Agents. In his spare time, Kevin enjoys golfing, tennis, boating and spending time with his wife Laura, and their children.