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TEXAS FIREFIGHTER

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A R T I C L E S<br />

TEEN DRIVERS AND<br />

YOUR INSURANCE RATES<br />

Fellow Firefighters,<br />

I would like to take a moment to thank<br />

everyone for their support during my<br />

campaign for 4 th Vice President of the<br />

SFFMA.<br />

During my journey across this great state<br />

for the past 2 years of campaigning, I<br />

was blessed to meet a large number of<br />

firefighters and emergency responders<br />

from every corner of the state.<br />

I certainly wish I could remember all the<br />

names, but I do recall they all had one<br />

thing in common-DEDICATION TO<br />

SERVICE. It certainly renews one’s faith<br />

in the human race when you have the<br />

opportunity to meet people driven only<br />

by the need to help their fellow man.<br />

I would like to thank my wife Billie,<br />

my kids Chris and Emily, my Assistant<br />

Chief Rudy Morales, my officer staff<br />

and firefighters at West Carlisle Fire/<br />

EMS as well as my entire family for their<br />

continued support.<br />

I would also like to thank YOU---the<br />

firefighters of the great state of Texas.<br />

Without your support and dedication all<br />

this would be for nothing.<br />

I make the promise that I will work hard<br />

for YOU and for the fire service in Texas.<br />

Keep your head on a swivel and always<br />

stay safe.<br />

Sincerely,<br />

Tim Smith, RN, BSN, EMT-P<br />

Fire Chief/EMS Director<br />

West Carlisle Fire/EMS<br />

Lubbock, Texas<br />

Maybe you’ve seen the headline, “Teen<br />

Drivers Double Family Auto Insurance<br />

Rates.” It’s true, having a teen driver in<br />

the family will drive up the price you pay<br />

for auto insurance. A new report from<br />

insuranceQuotes.com found that adding<br />

a teenage boy to a policy resulted in a 92<br />

percent higher insurance premium on<br />

average, adding a teen girl driver resulted<br />

in a 67 percent increase.<br />

Insurance experts say premium<br />

increases for teens make sense; they are<br />

inexperienced drivers who often drive<br />

riskier and don’t recognize hazards<br />

associated with driving. Crash rates for<br />

teens are three times higher than those<br />

who are 20 years of age or older. Since<br />

our children are priceless, it is important<br />

to make sure we purchase insurance to<br />

protect them and others.<br />

If you have a teen driver, here are ways to<br />

manage the insurance costs:<br />

• Take advantage of good student discounts<br />

• Purchase cars that have modern safety<br />

features<br />

• Consider a monitoring system that tracks<br />

your young driver’s habits<br />

• Enroll in a defensive driving course<br />

• Try to cut driving miles by carpooling<br />

and using mass transit<br />

• Stick to lower horsepower vehicles<br />

• Find an insurer who treats teens as<br />

responsible drivers<br />

The Insurance Institute for Highway Safety<br />

has a list of recommended used vehicles<br />

that are safest for younger drivers which<br />

could cost less to insure.<br />

They include:<br />

• Saab 9-5 sedan, 2010 and newer<br />

• Lincoln MKS, 2009 and newer<br />

• Toyota Prius v, 2012 and newer<br />

• Mercedes Benz C-Class Sedan,<br />

2009 and newer<br />

• Acura RL, 2005 and newer<br />

• Mercury Sable, 2009<br />

• Subaru Legacy, 2009<br />

• BMW 3-series sedan, 2006 and newer<br />

The IIHS also urges parents who don’t find<br />

the suitable vehicle from the list to seek a<br />

midsize or larger car, SUV or minivan with<br />

the most safety features they can afford.<br />

They also recommend:<br />

• Young drivers stay away from high<br />

horsepower vehicles<br />

• Bigger, heavier vehicles protect better in<br />

a crash (no minicars or small cars made<br />

their list)<br />

• Electronic stability and traction controls<br />

should be included<br />

California Casualty has a commitment to<br />

the safety of teen drivers. We’ve partnered<br />

with law enforcement agencies, safety<br />

groups, educators and concerned parents<br />

to create and fund Impact Teen Drivers,<br />

an intensive campaign to inform young<br />

drivers about the dangers of distracted or<br />

reckless driving. The nonprofit provides<br />

training and powerful tools to help engage<br />

teen drivers and change their attitudes<br />

behind the wheel.<br />

California Casualty also understands<br />

what it is like to have a new driver. We<br />

offer some of the best teen driver rates<br />

in the industry, along with good student<br />

discounts. Make sure your student driver<br />

is fully protected by calling a California<br />

Casualty advisor and talking through your<br />

options, 1.800.800.9410 or by visiting<br />

www.calcas.com/SFFMA.<br />

Resources for this article:<br />

http://www.usatoday.com/story/money/<br />

cars/2015/06/15/high-insurance-rates-forteen-drivers/71150888/<br />

http://www.insurancequotes.com/auto/<br />

teen-driver-safety-apps<br />

http://www.dmv.org/insurance/how-tosave-money-on-teen-car-insurance.php<br />

http://www.iihs.org/teenvehicles<br />

http://www.whatdoyouconsiderlethal.com/<br />

This article is furnished by California<br />

Casualty, providing auto and home<br />

insurance to firefighters for over 40 years.<br />

Get a quote at 1.800.800.9410 or www.<br />

calcas.com/SFFMA.<br />

T E X A S F I R E F I G H T E R / O C T O B E R 2015 23

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