Cheapest Car Insurance for Teens (and Their Parents)

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Emily Barkley-Levenson, Ph.D.

Assistant Professor of Psychology, Hofstra University

Do you feel that parents having their teen children take on the responsibility of a big purchase, such as a car, provides a teachable moment that is worth the monetary cost? Why or why not?

A lot of the attributes that make up what it means to be creditworthy, like self-control and delayed gratification, are still developing during adolescence and into early adulthood. In fact, the depart of the brain that is creditworthy for these processes, the prefrontal cortex, is silent maturing until around old age 25. These are besides skills that can be trained and improved with practice, which means that the adolescent years are a bang-up time to work out those self-denial muscles, indeed to speak. Taking on increased responsibility and autonomy with a car can provide an adolescent with lots of chances to build up their self-control and delayed gratification skills. There ’ sulfur besides a phenomenon called the endowment impression, where we value things more if they belong to us or we have a common sense of ownership over them. so having your adolescent pay for their car themselves ( or at least contribute their own money toward it ) should increase the measure they place on it, leading to safer and more creditworthy behavior .

Some states prohibit the use of gender to determine insurance rates, even though the motor vehicle death rate of male 16- to 19-year-olds is nearly double that of females of the same age. How do male and female teens pose different levels of risk to insurers?

The research is quite clear that men engage in more bad behaviors than women, including wearing seat belts less frequently and running yellow lights more much. Women perceive a higher likelihood of minus consequences and less use from these actions than men do, which leads to less risk-taking behind the wheel. I expect these findings would play out similarly with adolescent boys and girls adenine well. That said, statistical averages can ’ thyroxine predict the actions of any particular person ; teens of all genders can be heedless and risk-taking, and there are many adolescent boys who are highly dependable drivers.

The North Carolina Department of Transportation has the right under law to suspend teens’ driving privileges if they drop out of school or do not pass at least 70% of their courses. Should academics play a strong role in a teen’s eligibility to drive? Why or why not?

The reasons why driving privileges are revoked typically have to do with base hit ( minor possession of alcohol, speeding or foolhardy drive, and so forth ). In this event, if there isn ’ t a strong connection between dangerous repel and inadequate academic performance, then linking the two in terms of policy doesn ’ triiodothyronine seem particularly effective. academic performance does relate to early health-risk behaviors ( like violence and drug manipulation ), but this is one of those cases of correlation not being the same thing as causing : other factors such as family stress and poverty can make teens more likely both to underperform academically and to engage in health-risk behaviors, but skipping school doesn ’ deoxythymidine monophosphate cause you to drive more ailing.

What is the psychological difference between learning in the classroom and learning “on the road” as a driver?

Something that shows up over and over again in research with adolescents is a big difference in demeanor between “ cold ” settings ( nonemotional, cerebral context like a lab or a classroom ) and “ hot ” settings ( emotional situations in the real global, specially when peers and social press are involved ). A adolescent may make entirely rational number and condom decisions in the classroom ( or when a drive teacher is in the car ) but take risks on the road when they are more “ amped up ” by the presence of their friends .
Back to all experts { “ backgroundColor ” : ” white ”, ” subject ” : ” \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\ ” ShortcodeImage — settle left\ ” \u003E\n \u003Cdiv class=\ ” ShortcodeImage — image-container \ ” \u003E\n \u003Cimg alt=\ ” headshot of expert\ ” class=\ ” ShortcodeImage — persona lazyload\ ” style=\ ” width : 60px ; \ ” data-src=\ ” hypertext transfer protocol : \/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit, dpr_1.0, f_auto, h_1600, q_auto, w_60\/v1\/emily-barkley-levenson_uajgkh\ ” src=\ ” hypertext transfer protocol : \/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit, dpr_2.0, e_blur:1000, f_auto, h_1600, q_1, w_60\/v1\/emily-barkley-levenson_uajgkh\ ” data-srcset=\ ” hypertext transfer protocol : \/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit, dpr_1.0, f_auto, h_1600, q_auto, w_60\/v1\/emily-barkley-levenson_uajgkh 1x, hypertext transfer protocol : \/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit, dpr_2.0, f_auto, h_1600, q_auto, w_60\/v1\/emily-barkley-levenson_uajgkh 2x\ ” \u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3 id=\ ” expert-emily-barkley-levenson\ ” \u003EEmily Barkley-Levenson, Ph.D.\u003C\/h3\u003E\n\n\u003Cp\u003EAssistant Professor of Psychology, Hofstra University\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\ ” ShortcodeToggle — root ShortcodeToggle — article \ ” id=\u003E\n \u003Cbutton class=\ ” ShortcodeToggle — toggle\ ” onclick=\ ” this.parentNode.classList.toggle ( ‘ShortcodeToggle — open ‘ ) ; \ ” \u003E\u003Cp class=\ ” ShortcodeToggle — label\ ” \u003ESee their advice\u003C\/p\u003E\u003C\/button\u003E\n \u003Cdiv class=\ ” ShortcodeToggle — contents-wrapper\ ” \u003E\n \u003Cdiv class=\ ” ShortcodeToggle — contents\ ” \u003E\n \u003C\/p\u003E\n\n\u003Ch4\u003EDo you feel that parents having their adolescent children take on the responsibility of a big purchase, such as a car, provides a docile moment that is worth the monetary monetary value ? Why or why not ? \u003C\/h4\u003E\n\n\u003Cp\u003EA set of the attributes that make up what it means to be creditworthy, like self-control and delay gratification, are still developing during adolescence and into early adulthood. In fact, the contribution of the genius that is responsible for these processes, the prefrontal cerebral cortex, is still maturing until around age 25. These are besides skills that can be trained and improved with practice, which means that the adolescent years are a great time to work out those self-denial muscles, sol to speak. Taking on increased responsibility and autonomy with a cable car can provide an adolescent with lots of chances to build up their self-control and delayed gratification skills. \nThere\u2019s besides a phenomenon called the endowment effect, where we measure things more if they belong to us or we have a sense of possession over them. so having your adolescent pay for their cable car themselves ( or at least contribute their own money toward it ) should increase the value they place on it, leading to safer and more responsible behavior.\u003C\/p\u003E\n\n\u003Ch4\u003ESome states prohibit the habit of gender to determine insurance rates, evening though the centrifugal vehicle death rate of male 16- to 19-year-olds is about double that of females of the same senesce. How dress male and female teens pose unlike levels of risk to insurers ? \u003C\/h4\u003E\n\n\u003Cp\u003EThe research is quite clear that men engage in more hazardous behaviors than women, including wearing seat belts less frequently and running chicken lights more much. Women perceive a higher likelihood of negative consequences and less use from these actions than men do, which leads to less risk-taking behind the wheel. I expect these findings would play out similarly with adolescent boys and girls angstrom well. That said, statistical averages can\u2019t predict the actions of any especial individual ; teens of all genders can be foolhardy and risk-taking, and there are many adolescent boys who are highly safe drivers.\u003C\/p\u003E\n\n\u003Ch4\u003EThe North Carolina Department of Transportation has the right under law to suspend teens\u2019 repel privileges if they drop out of school or do not pass at least 70 % of their courses. Should academics play a impregnable function in a teen\u2019s eligibility to drive ? Why or why not ? \u003C\/h4\u003E\n\n\u003Cp\u003EThe reasons why drive privileges are revoked typically have to do with safety ( underage possession of alcohol, speeding or heedless drive, and so forth ). In this sheath, if there isn\u2019t a strong connection between dangerous drive and poor people academic performance, then linking the two in terms of policy doesn\u2019t seem particularly effective. academic operation does relate to other health-risk behaviors ( like violence and drug manipulation ), but this is one of those cases of correlation coefficient not being the lapp thing as causing : other factors such as family stress and poverty can make teens more probable both to underperform academically and to engage in health-risk behaviors, but skipping school doesn\u2019t \u003Cem\u003Ecause\u003C\/em\u003E you to drive more poorly.\u003C\/p\u003E\n\n\u003Ch4\u003EWhat is the psychological difference between learning in the classroom and learning \ ” on the road\ ” as a driver ? \u003C\/h4\u003E\n\n\u003Cp\u003ESomething that shows up over and over again in inquiry with adolescents is a boastful difference in demeanor between \ ” cold\ ” settings ( nonemotional, intellectual context like a lab or a classroom ) and \ ” hot\ ” settings ( aroused situations in the real worldly concern, specially when peers and social pressure are involved ). A adolescent may make wholly rational number and safe decisions in the classroom ( or when a drive teacher is in the car ) but take risks on the road when they are more \ ” amped up\ ” by the presence of their friends.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\ ” ShortcodeAlign — root ShortcodeAlign — horizontal-center\ ” \u003E\n \u003Cdiv class=\ ” ShortcodeAlign — container\ ” \u003E \n \u003Cspan\u003E\u003Ca class=\ ” ShortcodeLink — root Button — root Button — chief Button — auto-width\ ” title=\ ” Back to all experts\ ” href=\ ” # expertadvice\ ” \u003EBack to all experts\u003C\/a\u003E\u003C\/span\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n ”, ” padding ” : ” double ” }

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