Getting Your Teen Their First Car: A How-To

Make sure you're setting them up for safety right from the start.

1. Choose the Right Car

Let's face it, if you left the decision up to your teen, you would probably end up with either a huge SUV or a suped up sports car, neither of which is particularly safe for a young, new driver. However, there are plenty of options out there to make both you and your teen happy. And with the right research, you can find a car that is not only fun to drive, but also safe and reliable, too.

Choosing a midsize car is the best way to go, according to The Insurance Institute of Highway Safety and the Insurance Information Institute. Depending on your budget, you can opt for either a new or used model - just make sure the car is in good condition with updated safety features like airbags and electronic stability control. Also, you'll want to check out crash test and safety ratings before making your final purchase.

Fuel efficiency is another important factor to consider, especially in today's economy. Unless you're willing to cover the cost of filling your son or daughter's tank each week, buying your teen a gas guzzler is probably not a good idea.

2. Get the Best Auto Insurance Rate

The truth is that no matter what car you choose, insuring your teen driver will increase your auto insurance rates. But there are some things that you can do to make these costs as manageable as possible. In fact, another great reason to opt for safety first at the car dealership is that it can help keep your auto insurance premiums down. Because safer cars tend to have a lower accident risk, they are usually less expensive to insure.

Another way to get the best auto insurance rates possible is to scope out potential discounts. If your teen is a full-time student, for instance, he or she may be eligible for a good student discount. Researching your options beforehand will help you to make an informed decision when trying to find the right car for your teen.

3. Set Boundaries

Choosing a good car and purchasing the right auto insurance are only the first steps in keeping your teen safe on the road. Talking with your teen about safe driving and setting clear rules and guidelines are also important. To ensure that your teen stays safe behind the wheel, you can:

• Limit the number of passengers your teen can have in his or her car at any one time;
• Establish a "no cell phone" policy to ensure that your teen does not text or call while driving;
• Discuss what to do in cases of emergency, including accidents and adverse weather conditions.

Resource: Allstate Insurance Co.

Regular Car Checks Recommended During High Summer Temperatures

Staying on top of your car's systems during the height of summer can help ensure a comfortable and safe ride.

Summer can be tough on cars, especially during high temperatures when heat can destroy batteries and stress the cooling system and tires. As a precaution, these vehicle components should be checked periodically during summer to help avoid breakdowns and car problems, according to the Car Care Council.

Excessive heat and overcharging shorten the life of a battery. Heat causes battery fluid to evaporate, which then damages the internal structure of the battery. A malfunctioning component in the charging system, usually the voltage regulator, allows too high a charging rate, which will eventually destroy a battery.

To get the most life out of a battery, the council recommends having the electrical system checked to make sure it is charging at the correct rate. If your car's battery is the type that needs to be topped off, check it often, especially in hot weather and add distilled water if necessary. Keep the top of the battery clean. Dirt can become a conductor, which drains battery power. If corrosion accumulates on battery terminals, it becomes an insulator and inhibits the current flow.

The cooling system also works harder during hot temperatures to prevent overheating of the engine. To keep the cooling system working effectively, the coolant and distilled water mixture for a vehicle's radiator should be 50:50. As a reminder, never open a hot radiator cap when checking the coolant level in the reservoir.

As a rule of thumb, the coolant should be changed annually on most vehicles. This will keep the cooling system fresh and clean inside, which helps prevent corrosion and assures that the coolant has the proper boiling point and protection. A pressure test, thermostat test, a cooling fan test and a visual inspection for leaks and corrosion should also be done annually. Hoses and drive belts should be checked for cracks, bulges or frayed edges.

The radiator should be kept clean by periodically using a garden hose and a soft brush to carefully remove bugs, dirt and debris.

Tires also need special care in warmer weather as high temperatures put added stress on them. To maximize tire life and safety, check the tire condition and inflation pressure monthly, and have the tires rotated every 6,000 miles. Summer heat will cause the pressure within a tire to rise, therefore, it's important to check the pressure when tires are cold. The owner's manual includes the recommended air pressure for your vehicle's tires.

"It takes very little time and money to make sure your car runs properly during summer, and although breakdowns happen, they can definitely be minimized by taking a few extra preventive maintenance steps," said Rich White, executive director, Car Care Council.

The council reminds motorists that the vehicle's exterior also can be damaged by sunlight, UV radiation, acid rain, salt, dirt and air pollution. To protect the paint and finish, vehicles should be washed weekly and waxed every six months.

The Car Care Council is the source of information for the "Be Car Care Aware" consumer education campaign promoting the benefits of regular vehicle care, maintenance and repair to consumers. For a copy of the council's Car Care Guide or for more information, visit http://www.carcare.org/.

Source: Car Care Council

What to look for in a Car for your Teen Driver | Imports by Day Monroeville PA

If you ask any teenager what they are looking forward to doing the most as they get older, at the top of most lists is probably being able to drive. After all, being licensed to drive gives teens a great sense of freedom – they can now come and go as they please; they are no longer dependent on mom and dad to get them where they need to go.

However, the time when teens begin to drive can potentially be the most deadly. Every dayseven teens ages 16 to 19 die from injuries sustained in a motor vehicle crash. And the crash rate is 3.7 times higher for 16 year old drivers compared to drivers all of all ages, and 2.7 higher for drivers aged 16 to 19.

For parents that are conducting a used cars search for appropriate vehicle options for their teen drivers, how can they help them stay as safe as possible? Here’s a look at five in-car options to look for during their used cars search.

Side Airbags

Although everybody knows about airbags as a safety component in vehicles, some may not realize the importance of side airbags. A study conducted in 2006 conducted by the Insurance Institute for Highway Safety found side airbags that protected driver’s heads helped reduce deaths in cars that were hit on the driver side by about 37 percent.

Electronic Stability Control

ESC works through speed sensors that are placed on all wheels and the steering wheel to help drivers when on roads that are slippery or very curved.

If the ESC system notices the vehicle is about to go in an opposite direction from where the steering wheel is pointed, is will break the necessary wheels to help keep the car under control. ESC can be found vehicles from 2012, and even earlier.

Crash Avoidance Technology

Over the past few years, vehicle manufacturers have unveiled a crop of new applications to help drivers avoid car accidents. These crash avoidance technologies work by providing the driver with warnings, or in some instances even automatically putting on the brakes. Examples of these technologies to look for in a used cars search include blind spot detection, adaptive headlights, lane departure warning, and front crash prevention.

Anti-Lock Brake System (ABS)

An ABS is another safeguard against slippery roads, as well as inexperienced young drives that may find themselves “panic braking” in certain situations. The ABS helps ensure the brakes on a car do not lock up, which could cause a driver to lose control of the vehicle. ABS on the rear wheels allows the vehicle to keep moving in a straight line, while ABS on all wheels allows the driver to maintain steering capabilities.

Seat Belt Reminder System

Although the “ding, ding, ding” that reminds you to buckle up every time you’re in the car can be rather annoying, studies show they do save lives. For instance, a study published in 2008 found 97.5 percent of passengers put on a seat belt when in a vehicle with a reminder system, while only about 86 percent did in cars without a reminder. And teens need all the reminders they can — a 2002 study found that only 69 percent of teens ages 16 to 24 wear their seat belts, and more than two-thirds of teens killed in car crashes were not wearing seat belts.