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