5 reasons to postpone teen driving
Every day your teen waits to get behind the wheel, you save money and gain some peace of mind.
This post comes from Ross Boissoneau at partner site Money Talks News.
When your kids start to drive, be prepared to pay: driver's education classes, increased insurance rates, more gasoline, and maybe even their own car. Ouch.
You can always urge your child to wait till later to drive -- say until, oh, 35. But while that may not be practical, some kids decide on their own not to get their driver's license the second they become eligible -- like my own son. He simply wasn't interested in driving at 15 or 16. At age 18, he's just now deciding it's time.
And that's not a bad thing. Or even that rare a thing. We know other kids who didn't buckle up the minute they were eligible. While there are no studies on the issue that we could find, our insurance agent agrees. He credits schools cutting back on driver's education, which used to be free and now can run hundreds of dollars.
- Bing: The cost of driver's ed
"That's not so unusual anymore," says Dave Hallada of State Farm Insurance in Lakeview, Mich. "There are lots of kids that wait. When we were kids, you just got your license as soon as you could, but I think not having driver's ed offered through the schools -- where it was free -- has helped that change."
Licensing processes and ages vary widely across the 50 states. Youngsters in South Dakota can drive at age 14 years and three months if they've taken driver's ed. Several other states, including Michigan, allow kids to drive at age 15. New Jersey is the strictest: You must be 17 before you can drive on your own.
If you're 18 or older, you don't have to take driver's education (although it's strongly recommended). In most states, you just have to pass a vision test, a written test, and a driving test (which often charges a fee). Some states also require you to complete a minimum of 30 days of practice driving on a temporary instruction permit.
Wherever you live, convincing your teen to wait will mean more chauffeuring, but there are some great reasons to be part of the trend of waiting till later to get your kids their license:
On the other hand, Justin McNaull, a AAA diretor, cautions that putting aside some of the initial steps in driving can actually make the teen driver less safe.
"Wearing my safety and public policy hat, the things that you 'save' by waiting until age 18 can include avoiding driver ed requirements, avoiding practice driving requirements, bypassing mandatory holding periods for learner's permits, and avoiding limits on night driving and passengers for new teen drivers," McNaull says. "But these are some of the key features of graduated driver licensing, which has across the last 15 years saved thousands of teen lives by gradually easing teens into progressively more complicated driving conditions once they've gained experience and maturity.
"Waiting until age 18 offers shortcuts and savings -- time and financial -- but not all shortcuts are good ones," he said.
Bottom line: You save money the longer your teens wait, but when they do get behind the wheel, make sure they ease into it.
More on Money Talks News and MSN Money:
Copyright © 2014 Microsoft. All rights reserved.
ABOUT SMART SPENDING
LATEST BLOG POSTS
Occupy Wall Street bought and forgave the student loan debt of more than 2,700 Everest College students.
VIDEO ON MSN MONEY
BLOGS WE LIKE
MUST-SEE ON MSN
A charcuterie master shares his process for cold-smoking meat at home.
- Jetpacks about to go mainstream
- Weird things covered by home insurance
- Bing: 70 percent of adults report 'digital eye strain'