Can a Real-Time Teen Driving Program Provide Better Driving Outcomes?

Can A Real-Time Teen Driving Program Provide Better Driving Outcomes?

can a real-time teen driving program provide better driving outcomes?

Can A Real-Time Teen Driving Program Provide Better Driving Outcomes?

Driving risks posed by teens is a concern for parents in the U.S. According to Centers for Disease Control and Prevention (CDC), motor vehicle accidents are the leading causes of death among teens between the age groups of 16 and 19. As a matter of fact, most of the vehicle accidents are preventable ones, and therefore requires an action plan to avert casualties. Who will take the initiative for this against this challenge? The answer lies in the one who carries the risk, which means responsibility is upon the insurers.

Can A Real-Time Teen Driving Program Provide Better Driving Outcomes?

Insurers promote telematics on mobile apps to promote safe driving and improve driving behavior. These apps can provide value additions in terms of real-time, in-vehicle feedback to teen drivers. The Smartphone-based mobile apps are mostly researched and developed by IT vendors. Today, telematics devices are available for parents to monitor the driving behavior of their children. Thanks to the telematics-enabled device, data collection on location, information on speeding, braking, etc. are indeed possible to gain more valuable information. Resourceful IT vendors are offering SMAC-based mobile applications to assist this process to get an effective headway. Perhaps, on this subject alone, we may need to have more detailed discussions and opinions on mobile app-based technologies are welcome.

Why is a Teen Driving Program Necessary?

Like usage-based insurance (UBI) programs, the teen driving program comes with driver monitoring tools and safe tips for driving. With the help of telematics app, parents are constantly alerted on speed driving, accelerating, avoiding risky routes, etc. on their hand-held Smartphone device.

Teens are prone to accidents owing to rash driving or risky driving. For insurance companies to fix accurate policy premiums for such young drivers hinge on reducing their driving risks, accident prevention, on-road performance, crashes, their whereabouts, and in extreme cases deaths. It is a situation where all stakeholders are benefited. Look at the scenario, teens or young drivers are protected from preventable accidents, and insurers are spared from indemnifying losses accruing from preventable accidents.

We know that teenagers often err in making a judgment in comparison with other age groups. In the absence of parental monitoring, they indulge in risk driving. Repeated instances of risk riding include violating red and yellow lights, not wearing safety belts, fast driving in sharp curves, misjudging gaps in traffic, and so many other violations. Other than this, they are prone to accidents during nights due to driving at high speeds.

Motivating Teens for Change Management

So, prevention through monitoring, engaging, and tracking is better than crashing. Teen driving must be accompanied with innovative safety driving programs. Avail available technology to do so. One such thing can be offering discounts if the teen drivers comply with the program. There should also be conditions at the very policy issuance stage itself for the parents to follow the safety program for their children. In this setup, the insurance carrier also monitors driving, sends accurate reports on driving feedbacks to parents which will ultimately help in improved driving performance.

Motivating or engaging teens to subscribe to a teen driving program is challenging. Researchers have proved the success of incentive programs in improving teen driving behavior. So why not opt for a teen driving program? This strategy should be coupled with parental monitoring to ensure that teens follow restrictions when they are behind the wheels. Moreover, school policies should make it mandatory that seat belts are used while driving. Ultimately, the successful teen driving program is a change management where knowledge, attitudes, and behaviors need to go in alignment with the program.

Insurers and Parents Should Team Up for Better Driving Outcomes

According to, six teens die in a motor vehicle crash every day. Casualty prevention is not the responsibility of insurers alone, but it should be a concerted effort of parents/guardians and insurance companies. To parents, it is the loss of their child. For insurers, it is all about sustaining the business with reduced risks. Without a doubt, teen driving programs are important for both and it should be aimed at producing better driving outcomes.

Insurance is a sector that shows a lot of empathy on people’s risk concerns. This is also vital for them to survive in the competitive market. Just one-to-one interaction with customers with the help of agents will not fetch better results. On the contrary, if they leverage big data and analytics, they can collect, store, manage and analyze vast amounts of variable data and share key data in the form of alerts to the teens and their parents alike. This coupled with integrating a teen driving program with a parental portal will fetch the best results. It’s high time that insurers and parents teamed up to reduce teen deaths. This is a high priority, isn’t it?

Prime’s telematics system, Xemplar, enables fast and efficient two-way communication between insurers and customers. Xemplar’s mobile app-based system saves you money on hardware and infrastructure costs while also accommodating any mobile device or tablet, reaching drivers anytime and anywhere, and providing your business with critical information in real-time. Contact us now, and in less than 24 hours you will have the best technology solution for auto insurers. for more information visit us at

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