Family Auto Insurance 101 – Child and Teen Safety

Child Passenger Safety

Every state requires that infants and children be placed in car seats. The specific criteria, however, can vary widely depending on child age, height, and weight. For the most part, there are three basic seats that a child progresses through as they age. Infants user rear-facing seats, toddlers use front-facing seats, and older children use booster seats. The age at which an adult seatbelt is permissible varies widely from state to state. Make sure to check your state’s requirements carefully to avoid fines!

  • For specific guidance about the regulations in your state, visit the Governor’s Highway Association website.
  • Safercar.gov has a number of car seat safety tips, including help installing your car seat. You’ll also want to visit their website to find out how to register your seat to get updates about recall notices.
  • If you’re unsure about the quality of a particular car seat, you can check it on the NHTSA ease of use ratings form.

Remember that even minor accidents can damage a car seat, always replace them if you’ve been involved in a collision.

Teen Driver Safety

  • “Driver education starts at home,” and requires constant follow-up. Road tests teach your children about the basic rules of the road, but we all know there is a lot of nuance to road safety beyond those rules. Approaching driving with the right attitude and frame of mind, recognizing and avoiding dangerous situations, learning how to plan ahead to avoid split-second lane-change panics, are all part of cultivating a safe driving attitude.
  • “Teenage drivers are twice as likely as adult drivers to be in a fatal crash.” To tackle this problem, all states have put graduated driver licensing laws into place. Put simply, they are a three tier process of driver training that require students to demonstrate safe driving before moving on to the next level. The laws vary from state to state, but you can find information specific to your state on the GHSA website.

Remember to communicate with your insurance company when something big changes in your life so we can better protect you and your family with the best family auto insurance available in Arkansas, Alabama, Georgia, Oklahoma, Tennessee and Texas. Contact us today or request a family auto insurance quote.