^ Back to Top
954-260-0805

Teen Help

Knowing These Slang Terms Can Help You Detect Teen Medicine Abuse

Posted by Sue Scheff on December 05, 2017  /   Posted in Parenting Teens, Struggling Teen Help, Teen Depression, Teen Help, Troubled Teens

Teenagers seem to come up with new phrases on a daily basis, and it can be hard to keep up with the meanings of their jargon. However, it’s important to know certain terms that are slang for dangerous activities, such as medicine abuse.

1 in 30 teens has abused over-the-counter (OTC) cough medicine containing the active ingredient dextromethorphan (also known as “DXM”) to get high. While DXM is a safe and effective ingredient when used as directed, some teens abuse it by taking up to 25 times the recommended dosage. This can cause dangerous side effects such as blurred vision and a rapid heartbeat, among others.

To hide this risky behavior from parents, teachers, and other adults, teens have come up with a myriad of slang terms to speak in code. Phrases such as “skittling,” “robo-tripping,” and “tussing” are among the list of slang terms you should keep your ears perked up for.

Being able to detect medicine abuse by recognizing slang terms and other warning signs is important, but even more important is what you can do to prevent medicine abuse before it happens:

  1. Talk to your teen. Studies have found that teens who have the “drug talk” with parents/guardians are 50% less likely to abuse.
  2. Monitor your medicine cabinet and your teen’s activities. Warning signs such as empty cough medicine bottles/packaging in the trash when no one is sick or drastic changes in a teen’s behavior could be indicators that you should look closer.
  3. Share this information with other parents, teachers, and members of your community. The more people who are able to detect and prevent medicine abuse in teens, the better. Find resources for taking action and spreading the word here.
  4. Look for the icon below and check the Drug Facts label on cough medicine packaging to identify which medicines contain dextromethorphan.

There are over 100 OTC cough medicine brands that contain DXM.

Look for this icon to easily identify which ones include the active ingredient.

Stop Medicine Abuse is a prevention campaign working to alert parents and members of the community about the problem of teen abuse of over-the-counter (OTC) cough medicines containing dextromethorphan (DXM). You can learn more on by visiting the Stop Medicine Abuse website or connecting with the campaign on Facebook page and Twitter.

Tags: ,,,

Digital Parenting Challenges

Posted by Sue Scheff on November 30, 2017  /   Posted in Digital Parenting, Parenting Teens, Teen Help

“Everything has a time and place.” This familiar saying is a popular motto for juggling life’s demands and pleasures. We can also apply this mantra to managing the abundance of today’s technology with our children. Somewhere among the love and hate relationship with social media and homework searches, we must find a healthy balance in regards to our children’s technology use. To help us on this journey, we need to consider what teens are doing online, if we should be monitoring our children’s Internet activity, and ways we can curb overuse.

What Are Teens Doing Online?

It’s no secret that our kids rely heavily on their devices, but as parents, we often find ourselves wondering what is so compelling to keep their attention fixated on glowing screens for hours and hours on end. We know they enjoy scrolling through social media, taking selfies, posting funny DubSmash videos, or streaming videos. Afterall, these features have made digital devices an indispensable luxury for our kids.

However, lurking behind all of the merriment is a dark side to our daughters’ and sons’ digital activity. Unfortunately, it’s not easy to recognize all the scary situations awaiting our children just by glancing at their screens. No, these scenarios can range anywhere from oversharing personal information to cyberbullying to interacting with online predators. Up until a few years ago, these topics were foreign and completely left out of parenting guidebooks.

Consider how a recent study found that 87 percent of our kids have encountered cyberbullying as witnesses or victims. These numbers are up from around 28 percent just a little over a year ago, which means rates of cyberbullying have basically tripled. This is disheartening on many levels, because cyberbullying has been linked to higher rates of depression, anxiety, and even suicidal thoughts in our children.

In addition to cyberbullying, sexting is so commonplace that experts see these behaviors as normal and many teens view sexting as a safe alternative to sex. This might be true when it comes to pregnancy and disease, but if kids are underage, the simple act of snapping a provocative selfie is considered child pornography. Sexting, even if it is consensual, will be prosecuted as distributing or possessing child pornography. In addition to legal battles, this can open kids up to digital exploitation, bullying, and harassment.

Should You Monitor Or Not?

Realizing our children might be participating in risky online behaviors is frightening, but we need to realize that 70 percent of our kids actively seek ways to hide their online activities from us. This is only compounded when our sons and daughters are plugged in an average of six or more hours every day. Which can lead many of us to contemplate spying or using monitoring to stay on top of our children’s digital presence. Afterall, anything posted online has the potential to be made public.

Typically, experts warn spying should be avoided, because these behaviors have the potential to ruin parent and child relationships. Monitoring, however, doesn’t rely on sneaking around or hacking devices. This technique can range from simply following a teen’s social media accounts or openly installing software to compile a complete picture of a child’s texts, social media apps, contacts, and locations. If done correctly, this method offers opportunities for open dialogue while protecting a teen’s privacy.

How Should We Handle Constant Device Use?

To help parents overcome modern digital parenting challenges, please check out the following seven tips:

Begin an ongoing conversation about developing a healthy balance of technology in our lives. 

Teach social media etiquette early and build on topics as a child ages. 

Institute a “blackout policy”. An example of this could be powering down all devices from 10 p.m. until 7 a.m. to allow a break from technology.

Limit the amount of data a child has access to on their Smartphones or tablets. 

Provide opportunities for children to log off for a few minutes daily. Reclaim family meals, sign up for extracurricular activities, or dust off the old board games for an alternative to pixels and selfies.

Reinforce a child’s good choices. Give them feedback to show that you notice their good choices.

Create a technology contract for the family that clearly lays out all expectations and consequences.

How does your family manage digital parenting challenges?

Tags: ,,,

Distracted Driving: Helping Teens Become Safer Drivers

Posted by Sue Scheff on October 16, 2017  /   Posted in Parenting Teens, Teen Help

National Teen Driver Safety Week is here!

Distracted driving kills the same as drunk driving. That’s the message people need to understand. Generations prior it was loud and clear, if you drink and drive, you risk killing yourself or other people on the road.

We must make distracted driving as serious as getting behind the wheel while intoxicated.

New Survey Suggests Over Half Of Teen Drivers May Be Overconfident In Their Driving Skills

Hum by Verizon released new survey findings to raise awareness of teen driver safety, the needs of young drivers, and the benefits that technology can provide on the road. KRC Research conducted the survey of 1,004 American teens (ages 13-17) between Sept. 26 and Oct. 3, 2017.

More than half (57 percent) of teen drivers responded that they are just as good at driving as their parent or guardian, yet nearly three in four (72 percent) have felt unsafe on the road and cited getting into an accident (77 percent) as their No. 1 concern on the road.

Additional findings include:

Opportunity for more driver’s education

·        51 percent of teen drivers wish they had learned more about how to drive safely in ice, snow and wet weather.

·        47 percent of teen drivers wish they had learned more about how to change a tire and 44 percent wish they knew how to jump start a battery.

·        34 percent wish they had learned more about how to handle distractions in the car while driving, either through driver’s education or with their parents.

Teens’ confidence and concerns

·        57 percent of teen drivers would prefer to learn driving skills from someone other than their parent or guardian.

·        77 percent of teens say their main concerns on the road are accidents and 53 percent are concerned with other aggressive drivers, followed by getting a speeding ticket 42 percent and running out of gas 37 percent.

Responsible use of tech

·        82 percent of teen drivers say that technologies like blind spot detectors, back-up cameras and traffic alerts have helped them improve their driving.

Tags: ,,

How to Take Action During National Medicine Abuse Awareness Month

Posted by Sue Scheff on September 19, 2017  /   Posted in Mental Health, Parenting Teens, Teen Help, Troubled Teens

By Anita Brikman

As National Medicine Abuse Awareness Month (NMAAM) approaches, I want to take some time to help inform other parents about over-the-counter (OTC) medicine abuse and the corresponding risks. It can be easy to overlook the potential dangers of misusing medicines that are legal and readily-available, but it’s important to recognize that these medicines can be harmful when abused… as some kids are doing.

Specifically, I want to highlight the abuse of OTC cough medicines containing the active ingredient dextromethorphan (DXM). While these medicines are safe and effective when used as directed, one in 30 teens have abused DXM to get high. Furthermore, one in 3 teens knows of someone who has abused DXM, which means there’s a pretty good chance that your teen knows another teen who has abused the substance. What’s even more alarming? Some teens abuse OTC cough medicine by taking up to 25x the recommended dose, which can lead to dangerous side effects such as disorientation, double or blurred vision and impaired physical coordination. It’s certainly uncomfortable to think about, but I’m comforted knowing that the Stop Medicine Abuse campaign is actively working to alert parents and community members of this issue.

As a parent, I know that we all want to keep our families safe. Here are four things you can do during NMAAM to prevent medicine abuse in your home and community:

  1. Educate yourself. Learn about the warning signs and side effects of abuse to ensure it doesn’t go unnoticed in your home. Keep an ear out for slang terms and an eye out for changes in your teen’s behavior, physical appearance or group of friends.
  2. Take inventory of the medicines in your home. If you regularly keep tabs on what you have, you’ll be able to more easily notice when something goes missing without explanation.

To identify medicines that contain DXM, check the active ingredients list on the Drug Facts label and look for the above icon on the packaging.

  1. Talk with your teen. It’s not an easy conversation to have, but teens who learn about the risks of substance abuse from their parents are 50% less likely to misuse. Once you have the talk, be sure to keep the door open for an ongoing dialogue.
  2. Inform others. Talk with parents, teachers and other members of your community. Share what you’ve learned to make sure they are aware of the dangers of substance abuse and what they can do to prevent it.

For more information on how to prevent medicine abuse, visit StopMedicineAbuse.org and follow us on Facebook and Twitter.

Anita Brikman joined the Consumer Healthcare Products Association (CHPA) in 2016 and leads the association’s communications and public affairs functions. As a member of the senior management team, she is responsible for establishing and directing the organization’s communications strategies and goals. Anita is passionate about healthcare issues, with over two decades of experience as a news anchor and health reporter in major television markets – making medicine abuse awareness and prevention efforts important to her. She is also the mother of three teenagers.

Tags: ,,,,

How to Help Your Teen Cope With Stress During the School Year

Posted by Sue Scheff on September 06, 2017  /   Posted in Mental Health, Mental Illness, Parenting Teens, Teen Depression, Teen Help, Troubled Teens

When summer ends and the school year begins, you can practically hear a symphony of teenagers simultaneously groaning. Who can blame them though? They need to wake up during the early hours of the morning, study for exams, complete homework for several different classes, balance extracurricular activities, maintain a social life – and in the midst of all of that, take care of themselves. That’s a lot on a young person’s plate! As a parent, you can expect them to be incredibly stressed out at having to manage everything all at once. Teens have a heavy amount of stress because not only do their high school years prepare them for college; they also begin to develop their individuality, learn how to be responsible, and get a taste of adulthood.

To help your teen have a more productive semester and reduce their academic anxiety, here’s how you can help them cope with stress during the school year:

Encourage them to focus on their well-being, first and foremost

Believe it or not, simple self-care methods such as taking showers, self-grooming, and relaxing can pushed aside in exchange for dedicating more time to school work. However, one never feels their best when they don’t take care of themselves! While your teen’s ambition is admirable, they should always consider the state of their emotional and physical well-being. Your teen should also always make time for hobbies and passions that make them happy as well. School work may take up most of their time, but they need to remember their personal needs and happiness is just as important.

Inform them of healthy coping mechanisms 

There’s a huge difference between dealing with stress in a healthy way versus an unhealthy way. Unhealthy coping mechanisms cause more stress and do more damage. Examples include suppressing emotions, purposely hurting others, self-harm and so forth. In the long run, unhealthy coping mechanisms can lead to your child developing depression, anxiety, and even an addiction to substances later on life. Factually, 1 in 8 Americans are alcoholics, and your teen does not need to be a part of that statistic, nor endure mental conditions that can be avoided. To prevent that, and many other unfortunate circumstances, inform and educate them on how to properly handle their stress with healthy coping mechanisms such as journal writing, articulating feelings to a trusted individual such as you or a friend, and meditation.

Help them establish a set schedule

With so many obligations that need to be fulfilled, your teen will get overwhelmed on where to focus most of their attention. Have them sit down to schedule a wake-up and sleep time, set aside specific parts of the day for studying, and adhere to it. However, they can be flexible on the weekends for friends and personal time. Fun is needed too! By following a schedule, your teen will be able to handle their responsibilities and live their life in an organized matter, rather than feeling lost or frazzled with what to do first.

Go grocery shopping for healthy food and meal prep 

A healthy and well-rounded diet affects a person just as much emotionally as it does physically. When overwhelmed with an endless list of things to do, it’s normal for a teen to eat whatever is available and neglect their diet. Educate your teen about healthier food choices, teach them to cook, and encourage them to prepare their meals ahead of time. If they meal prep healthy food, they never have to worry about spontaneous fast food purchases or unhealthy cravings! Over time, your teen will also naturally gravitate towards healthy food in general.

Encourage your teen to exercise

With stress taking a toll on both a mental and physical well-being, teens need a therapeutic outlet to release it! Exercise is one of the best methods of stress relief due to its ability to pump endorphins – nature’s pain-killing chemicals – throughout their body. Additionally, exercise helps stabilize their mood, improves overall brain function, and keeps them feeling energized and ready to take on the day. Regardless of the exercise they choose to do, such as weight training versus yoga, all exercises will contribute the same positive benefits. If your teen is up for it, suggest taking up an exercise together!

Tell them to take a break

When your teen needs a break from vigorously studying, offer to take them outside for some fresh air or remind them that it won’t hurt to relax for a few minutes. Despite sounding counter-intuitive, taking a break is actually more beneficial than harmful. The more your teen forces themselves to work, the less productive they become. With overexertion, they lose the ability to focus on tasks, become easily irritable, and rarely sleep. Some examples of breaks include spending fifteen minutes on the couch doing what they please, meditating, and even catching up with you about what’s been going on in their lives. By stepping back from the required readings and math notes, teens seize this moment to replenish their energy to study efficiently, absorb information, and demonstrate what they have learned onto their exams.

Remind them that stress is a part of life, and they will get through it just like everything else

Stress is inevitable. Truthfully, at times, it feels like it lasts forever – but that is never the case. Remind your teen that stress is always going to be a part of life, but they don’t need to fear it. What really matters is taking of themselves and always doing the best they can to succeed.

Contributor: Trevor McDonald

Tags: ,,,

Tips to Help Get Your Teens to Adhere to Their Curfew

Posted by Sue Scheff on August 25, 2017  /   Posted in Parenting Teens, Teen Help, Troubled Teens

Being a teenager can be difficult when you’re caught between childhood and adulthood and you’re trying to figure out who you are. But raising a teenager can be even more trying. You want to give your teen more freedom and responsibility, but you’re still concerned about what they’re doing and who they’re with all the time.

This has resulted in curfews. While some teenagers never have a problem making it home on time, for others it’s a battle. With this being said, here are a few tips to help you get your kids to adhere to their curfew:

Determine a Reasonable Time

Picking a time at random for your teenager to come home may not be the best tactic for getting them to follow the rules. Gather the data before you set any mandates so you know that your time is reasonable and fair for your child. Empowering Parents suggests talking to other parents, school staff and other sources to see what time they set for their child’s curfew. Then, think about your teen and how responsible and trustworthy they are to make it earlier or later.

While you may be tempted to set the same time your parents set for you when you were a teenager, you need to recognize that times have changed. You also shouldn’t fall into the trap of having to stick to the same curfew for every child. Fair is not always fair. Each child is different and has different needs, wants and maturity levels. So take all the factors into consideration and come up with an individualized plan with your spouse and child.

Stick to the Agreement

Once you set a time for curfew, stick to it. Your teens may try to get you to waiver or see how far they push the limits, but this is a time for you to stand firm on the rules. Let them know that 10:15 does not count as making a 10:00 curfew. Just because they have a cellphone also doesn’t mean they can call or text to tell you they’ll be late. Set the expectation that they are responsible for making it home on time. If you fall asleep before their curfew, make sure they wake you up to let you know they’re home safely. You also should let your teen know that you can use the home security camera system to see if they made it home on time or if they decide to sneak back out of the house.

Discuss the Consequences

Just because your teenager knows the rules doesn’t mean they’re going to follow them. When you set the time for their curfew, you also should go over the consequences for breaking it. If it’s a minor infraction, the punishment also can be small, such as taking their smartphone away or grounding them for a short period of time. However, if they’re hours late or consistently miss curfew, you may want to resort to larger consequences. These could include taking the keys to their car away or not allowing them to go out with their friends until they can prove that they are ready to follow the rules.

If your teenager is constantly getting in trouble and acting defiant, you may need to take a different approach to consequences. Treat the rules like a businessperson rather than as a scared and angry parent. For example, if an employee came in late every day, you wouldn’t yell at them as soon as they clocked in. Instead you would take them aside and explain the consequences, such as having their pay docked, suspension or even losing their job. For your child, you shouldn’t yell and start lecturing them the second they get home. Give yourself time to cool off and then discuss the next steps in the morning when you can act more rationally. If your child is still being defiant, you can explain that the consequences may be turning off their cellphone service, taking their car away or even calling the police if you’re afraid they’re doing something unsafe.

Reward Good Behavior

It’s just as important to react to positive behavior as it is to punish negative behavior. If your teenager consistently meets their curfew and is acting responsibly, you should address and reward that. Consider moving back their curfew by an hour, or be willing to make an exception on special occasions like a concert or school dance. You also could give them more freedom and privileges by letting them take the car out later or further away than normal. Let them go to a party you normally wouldn’t. Show your child that you notice that they’re becoming a responsible adult and that you trust them to make good decisions.

Curfew doesn’t have to be a constant battle with your teenager. If you set expectations and stick to them, everyone in the household is on the same page and understands the results of breaking and following the rules.

Tags: ,,,

How Boosting Teen Confidence is as Easy as Changing a Tire

Posted by Sue Scheff on August 21, 2017  /   Posted in Parenting Teens, Teen Help

Building confidence in adolescents is key in raising healthy kids. But, of course, it’s not always easy. Research has shown that giving teens some form of responsibility can boost their self-confidence. Additionally, encouraging them to develop problem-solving skills — and resisting the urge to step in and help when things don’t go their way — can give teens an uptick in confidence, too.

Young people’s formative years are some of the most critical in developing good habits and decision-making. Here’s how you can foster more self-esteem in your teen and keep them out of trouble. Some might say it’s as easy as changing a tire.

Getting Started

While you may be reluctant to hand over the keys to your teen, you may also be surprised to know that not using your parental authority could potentially be damaging, as it can instill in your loved ones a sense that disobeying authority is OK. With that in mind, try not to unload all your worries on your teen, as expressing fear and frustration about everyday life, low test scores, unruly friends or dubious weekend plans can be negatively interpreted.

Instead, express to them some level of confidence. By doing this, your teen will remember that even though they experienced some struggles, they still had a vote of confidence from both parents. Of course, giving your child permission to drive is a big deal. So before you hand over the keys, set a curfew and a few other ground rules.

And while your teen may already have their driver’s license, it’s your responsibility to teach them about vehicle safety and mechanics. Teaching your teenager about the ins and outs of the car they’ll be driving promotes responsibility, and it will give them something to care about.

Changing a Flat Tire

Sure, you may changed a flat tire dozens of times, but it’s also important your teen learns on their own. Try not to be too overbearing or bossy, and only provide assistance when your teen asks for it. Instilling in them this sense of responsibility can foster greater self-esteem and achievement down the road.

Of course, one of the first things to teach your kid about replacing one or more tires is to let them know about which tell-tale signs to look for when experiencing a flat. Provide your teen with a list of steps to change a flat tire and then give them an opportunity to harness those skills.

Ultimately, both you and your teen can learn something from this activity. Parents, know that you’re nurturing growth in your teen with this challenge. And remember: A challenge can be just what your teen needs to avoid rebellion and boredom. It may be simple, but changing a flat tire provides many lessons, from problem solving to persistence, which can be valuable learning experiences for your teen. As a parent, recognize your teen’s willingness to try, and be supportive while attempting not to be too overbearing. In the end, this will help your teen build and better exude confidence.

Tags: ,,,

Dealing with Disappointment: The Best Ways to Help Your Teen

Posted by Sue Scheff on August 11, 2017  /   Posted in Mental Health, Parenting Teens, Teen Depression, Teen Help, Troubled Teens

You remember what it’s like to be a teenager trying to fit in and prepare yourself for adulthood. It’s difficult, confusing and oftentimes disappointing. Now you’re watching your teenagers go through some of the same struggles you did at their age.

While your first instinct is to make everything better, this may be doing more harm than good. Growing up is full of disappointments and failures, and that’s OK. Instead of shielding your children from every minor setback, here are a few positive ways to help your teens deal with disappointment:

Hear Them Out

Your teen just tried out for the school basketball team and didn’t make it. He’s upset, embarrassed and disappointed. Let him come to you to vent his frustrations. Try not to speak first or jump in to make him feel better, but rather let him rant and tell you all about what happened without any judgment. The more you listen, the more you can narrow down how your teen is feeling about not making them team and find ways to help him move forward.

Help Them Take Responsibility

Once you’ve heard everything your teen has to say about the situation, you can start asking some questions. For example, if she didn’t pass her driving test, ask her why she thinks that happened. Many teens’ first reaction is to start pointing fingers, such as at the driving instructor, but steer her away from this negative reaction to something she can control. If she says the test was unfair because the questions were too hard, you can ask her if she studied her driver’s permit booklet enough. Ask if those same questions were on the practice tests and if she could have prepared more. Gently explain that the test may not have been unfair but a consequence of her not being ready, and then help her come up with a plan to do better next time.

Come up With a Plan

One of the best ways to deal with disappointment is to come up with a plan for success. Have your son ask the basketball coach what he needs to do to make the team next year, and have your daughter go over the parts of her driving test she struggled with. Then, help your teen come up with ways to improve on these skills.

For example, you could sign your son up for a local basketball league where he can get a lot of playing time. Have him work with a private trainer or coach to work on his skills, and set aside time for him to practice on his own. For your daughter, help her study for the written part of her driving test with practice tests online and create a schedule for driving on your local streets, on the highway and in parking lots. While you can help your teens come up with this plan, make sure they know that they are responsible for following through and working hard to achieve success.

Through every up and down that adolescence presents, it’s important that your children know that you love them unconditionally. Whether they get the lead role in the play or get into college, you love them for who they are, not what they’ve accomplished. Be supportive and helpful in any way you can, but let your teens know that it’s okay to fail every once in awhile because that’s part of growing up. Let them be disappointed, and then help them find a way to succeed.

Tags: ,,,

Teen Cough Medicine Abuse: What it Looks Like and Prevention

Posted by Sue Scheff on July 13, 2017  /   Posted in Parenting Teens, Teen Help, Troubled Teens

A cup of coffee in your favorite mug is not something that typically that comes to mind when you reach for cough syrup to relive your symptoms. However, some teens intentionally consume this amount of cough medicine – one cup or 250 milliliters – to get high. That’s 25 times the recommended dose.

Stop Medicine Abuse’s recent video is a startling reminder to talk with your teens about medicine abuse. Many parents think that illegal drugs and alcohol are the only substances they should be looking out for. However, one in 30 teens has abused dextromethorphan (DXM), the active ingredient in most over-the-counter (OTC) cough medicines, to get high. That’s about one teen per classroom.

How can you tell if your teen is abusing cough medicine?

Watch for changes in your teen’s behavior and keep a close eye on your medicine cabinet. Warning signs include sudden changes in attitude, loss of interests, declining grades and missing or empty containers of cough medicine. Keep an ear out for slang terms, such as “red devils” and “orange crush,” words that might not be as innocent as they seem. You can also monitor your teen’s internet behaviors for suspicious activity.

But don’t worry! There is a simple, yet effective solution: Talk with your teen. You might be met with eyerolls and dismissive comments, but the fact is that teens who learn about the risks of drugs from their parents are 50 percent less likely to abuse substances. Teens might not admit it, but they are listening and just one conversation could help prevent medicine abuse.

You can get more information at StopMedicineAbuse.org or join the conversation by following Stop Medicine Abuse on Facebook and Twitter.

Contributor: Anita Brikman joined the Consumer Healthcare Products Association (CHPA) in 2016 and leads the association’s communications and public affairs functions. As a member of the senior management team, she is responsible for establishing and directing the organization’s communications strategies and goals. Anita is passionate about healthcare issues, with over two decades of experience as a news anchor and health reporter in major television markets – making medicine abuse awareness and prevention efforts important to her. She is also the mother of three teenagers.

Tags: ,,,,

Protecting Your Teen Driving With Auto Insurance

Posted by Sue Scheff on July 07, 2017  /   Posted in Parenting Teens, Teen Help

Have you been living in dread of your teenager’s sixteenth birthday? It’s a much-anticipated or much-feared day, depending on whether you’re the teenager or the parent. Many teens await their sixteenth birthdays with anticipation, looking forward to hitting the road. That driver’s license is a rite of passage. But when your teen driver gets that license, there’s something else they’re going to need (well, apart from a car). And that’s insurance.

You might have heard that insurance rates are often higher for teens. That’s because teens often like to toe the line of risky behavior and they have little experience driving, which makes insurance even more important. We’ll tell you what you need to know about insuring a teen driver so that you can get them the coverage they need – without breaking the bank.

When you’re insuring your teen driver, keep these things in mind:

  1. Add your teenager to your auto policy.

Instead of taking out a brand new policy for your teen, add them to yours. This will help keep the rates under control, especially if you have a good driving record and drive a safe, reliable car. You’ll also want to make sure to note which car the teen will be driving – the vehicle does have an impact on the insurance rates. As you can imagine, a safe, solid minivan will cost less to insure than a sports car.

  1. Up your deductible.

If you’re able to, you can raise your deductible, which is the amount you pay out of pocket before your insurance will step in to cover the rest. This will, in turn, lower your premium. Think about how much money you can access as a deductible and choose an amount that’s right for you.

  1. Quest for discounts.

Does your kiddo have good grades? If you’re the proud parent of a student with a good GPA, your insurance company will likely reward you with a discount. “Good students” are seen as being less of a risk. See, hitting the books and studying hard comes in handy sometimes!

If you have a slightly older teen driver who’s headed off to college, you might be able to get a discount if they’re going to school more than 100 miles away and they’re not bringing a vehicle with them. They won’t have so much time behind the wheel, and that’s where the discount kicks in.

These are just a couple possible discounts. Be sure to ask your agent about any others you might qualify for.

  1. Choose the vehicle carefully.

The car that your teen drives has an impact on their insurance rates, which we mentioned above. It might be better to go with a safe, reliable used car than to get them a new, shiny car. Yes, they might beg and beg for a new car that’s all fancy and such, but a nice, semi-indestructible used car might be better for your wallet in more ways than one. If you already have a safe car that you feel comfortable with your teen driving, all the better! Do it. The car should ideally be more than five years old and have four doors. Whatever car you end up getting for your teen to drive, make sure that it’s in good shape.

Other practical information: Only name one car for your teen to drive and don’t let them drive any other vehicles. The rule should be that they can only drive the car that they’re insured for. Keep the car in your name rather than switching it over to that of your teen driver.

  1. Send them to driving school.

You might meet with some very loud and stubborn resistance, but it’s a good idea to send your teen to driving school. Preferably one that’s approved by your insurance company – check with your agent to see if they have any suggestions. By having your young charge complete a course in driver’s ed you might get a discount on their rates.

  1. Pay for minor damages yourself.

“I swear, Mom and Dad, I didn’t see the mailbox there…It’s just a scratch, really…”

If there’s a minor snafu with the car, take care of the repair yourself rather than claiming it on your insurance. Any claim can make your rates go up, plus there’s your deductible to consider. If it’s something you can handle on your own, do.

Of course, we hope that you’ll never have to pay for damages of any kind, but just in case something happens…

  1. Consider a PLUP.

A what? A Personal Liability Umbrella Policy. Since that’s a bit of a mouthful, we’ll just call it a PLUP.

A PLUP provides an extra layer of coverage over top of the insurance that you already have. Your auto policy has a certain limit on it, but if an accident causes damages that exceed that limit, you’re left on your own to cover the rest. That’s where the PLUP comes in. The PLUP will step in where the auto policy stopped, covering the damages up to its limit.

Insuring your teen driver is something that you know you have to do. You might not look forward to paying the higher premium for your auto insurance, but you’ll be able to breathe easier knowing that your teen has coverage.

If you want to talk more about insuring your teen, please don’t hesitate to give us a call. If you’d like to get a free quote for your auto insurance, fill out our quote form and you’ll be on your way!

Contributor: Katherine Betts

Tags: ,,

As Featured On

DrPhil_Season_7_title_card1-250x139oprah-logo-250x1091PLATFORMforgoodParentingTodaysKidssunsentinelGaltimeFoxNews1Forbes-Magazine-Logo-Fonthuffington-post-logo
family online safetyTodayMomsusatodaywashpostabcnewsCNN-living1anderson-cooper-360-logo-250x107cbs_eve_logobostonglobe-250x250nbc6newsweek

..and many more.


To get help, CLICK HERE or call us at 954-260-0805
P.U.R.E. does not provide legal advice and does not have an attorney on staff.
^ Back to Top
Copyright © 2001-2017 Help Your Teens. Optimized Web Design by SEO Web Mechanics Site Map