Becoming a licensed driver is one of the most important rites of passage in a young American's life, so it’s both an exciting and frustrating experience. Young drivers must jump through a lot of hoops to earn the privilege, and it takes months of practice and supervision. Allstar Insurance, the leading seller of auto insurance, motorcycle insurance, and RV insurance in Lincoln, NE, offer some advice to get teens started.
Here are three steps to help teens gain their license and become successful drivers:
1. Navigate the GDL Program
Nebraska operates a graduated driver licensing program with several steps to complete before you can drive fully unsupervised. The school learner's permit (LPE) lets drivers—in certain locations—who are aged 14 and 15 practice for a school permit when supervised by an adult. The school permit (SCP) lets teens who've held an LPE for two months drive while supervised, as well as unsupervised to and from school. Learner's permits (LPD) are available to 15-year-olds and allows supervised driving. At age 16, drivers can apply for a provisional operator's permit (POP), which allows supervised driving at any time, and unsupervised driving between 6 a.m. and midnight. At age 18, or after a full year of operating on a POP, drivers can apply for a full, unrestricted driver's license.
2. Insure Your Vehicle
Nebraska requires drivers to insure their vehicles with a certain amount of auto insurance to cover injuries to others and damages to others' property. Minimum amounts are as follows: $25,000 per person bodily injury liability coverage, to a limit of $50,000 per accident, and $25,000 in property damage liability.
This coverage also pays for legal costs if a lawsuit arises from the accident, including lawyer fees, court costs, and judgment or settlement amounts. Optional types of auto insurance coverage to consider include collision insurance, which reimburses you for damages to your own vehicle incurred while moving, and comprehensive coverage, which covers losses due to theft, floods, fires, and vandalism.
3. Maintain Good Grades
Auto insurers have apparently found a correlation between good grades and safe driving habits. Because of this, you can often qualify for reduced premiums if you maintain a B grade point average or better.
Allstar Insurance is the most trusted auto and motorcycle insurance agency in Lincoln, NE. Their agents will help you design the most affordable policy for a teen driver and apply any good driver or student discounts you qualify for. Visit the website for business hours and directions or call (402) 477-0900 to discuss your insurance needs.