{"id":253376,"date":"2025-05-23T07:58:16","date_gmt":"2025-05-23T07:58:16","guid":{"rendered":"https:\/\/peraltafinancing.com\/business\/insurance\/what-is-teensmart-and-how-does-it-impact-my-insurance\/"},"modified":"2025-05-23T07:58:16","modified_gmt":"2025-05-23T07:58:16","slug":"what-is-teensmart-and-how-does-it-impact-my-insurance","status":"publish","type":"post","link":"https:\/\/fivemor.com\/?p=253376","title":{"rendered":"What Is teenSMART and How Does It Impact my Insurance?"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div>\n<p>If you\u2019re a parent of a new driver, you\u2019re probably feeling a mix of emotions: pride, excitement, and\u2014if we\u2019re being honest\u2014a whole lot of worry.<\/p>\n<p><strong data-start=\"573\" data-end=\"689\">Will they drive safely? What if they get distracted? And how much is this going to raise our insurance premiums?<\/strong><\/p>\n<p>These are completely valid concerns, especially during the first year your teen is on the road\u2014statistically the most dangerous time for new drivers. Fortunately, there are proven tools available to ease your stress, lower your risk, and even help reduce your premium. One of the most effective? A program called <strong data-start=\"1004\" data-end=\"1018\"><a href=\"https:\/\/app.teensmartdriving.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">teenSMART\u00ae<\/a><\/strong>.<\/p>\n<h2 class=\"wp-block-heading\" id=\"h-why-teen-drivers-raise-rates\">Why Teen Drivers Raise Rates<\/h2>\n<p>Let\u2019s start with the question most parents are asking:<\/p>\n<p><strong data-start=\"1116\" data-end=\"1169\">Why does adding a teen to my policy cost so much?<\/strong> <\/p>\n<p>The short answer is risk. Teen drivers are:<\/p>\n<ul class=\"wp-block-list\">\n<li>\n<p class=\"\" data-start=\"1218\" data-end=\"1282\"><strong data-start=\"1218\" data-end=\"1259\">3x more likely to be in a fatal crash<\/strong> than drivers over 20<\/p>\n<\/li>\n<li>\n<p class=\"\" data-start=\"1285\" data-end=\"1361\">More prone to <strong data-start=\"1299\" data-end=\"1321\">distracted driving<\/strong>, especially from phones or passengers<\/p>\n<\/li>\n<li>\n<p class=\"\" data-start=\"1364\" data-end=\"1444\">Still developing key judgment skills like hazard perception and space management<\/p>\n<\/li>\n<\/ul>\n<p>Because of this, insurance companies adjust rates to reflect the higher chance of a claim. But that doesn\u2019t mean you\u2019re powerless. You <em data-start=\"1581\" data-end=\"1586\">can<\/em> lower your teen\u2019s risk\u2014and possibly your <a href=\"https:\/\/centralins.co\/AutoDiscounts\" target=\"_blank\" rel=\"noreferrer noopener\">premium<\/a>\u2014by investing in the right kind of driver training.<\/p>\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>If your teen does expereince an issue on the road, ensure they\u2019ve got 24\/7 protection with programs like <a href=\"https:\/\/centralins.co\/RoadsideAssistance\" target=\"_blank\" rel=\"noreferrer noopener\">Central\u2019s Roadside<\/a><a href=\"https:\/\/bit.ly\/Central-MeetAgero\" target=\"_blank\" rel=\"noreferrer noopener\"> <\/a><a href=\"https:\/\/centralins.co\/RoadsideAssistance\" target=\"_blank\" rel=\"noreferrer noopener\">Assistance<\/a>.<\/p>\n<\/blockquote>\n<p class=\"has-text-align-left\"><strong><em><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-primary-color\">Get insights like this right in your inbox. Subscribe to the Central Blog below.<\/mark><\/em><\/strong><\/p>\n<h2 class=\"wp-block-heading\" id=\"h-what-is-teensmart\">What Is teenSMART?<\/h2>\n<p><strong data-start=\"1716\" data-end=\"1730\">teenSMART\u00ae<\/strong> is a nationally recognized, computer-based driver safety course designed to help teens build the skills they need to stay safe behind the wheel. It goes far beyond what traditional driver\u2019s ed offers\u2014teaching decision-making, awareness, and risk avoidance in a way that sticks.<\/p>\n<p>The program includes:<\/p>\n<ul class=\"wp-block-list\">\n<li>\n<p class=\"\" data-start=\"2035\" data-end=\"2078\">Interactive modules (about 6\u20138 hours total)<\/p>\n<\/li>\n<li>\n<p class=\"\" data-start=\"2081\" data-end=\"2112\">Real-life driving simulations<\/p>\n<\/li>\n<li>\n<p class=\"\" data-start=\"2115\" data-end=\"2171\">Parent-teen driving activities to practice safe habits<\/p>\n<\/li>\n<li>\n<p class=\"\" data-start=\"2174\" data-end=\"2223\">A final assessment to certify course completion<\/p>\n<\/li>\n<\/ul>\n<p>Best of all, it\u2019s self-paced, can be completed at home, and is proven to work.<\/p>\n<h2 class=\"wp-block-heading\" id=\"h-how-teensmart-helps-you-save\">How teenSMART Helps You Save<\/h2>\n<p>Here\u2019s where teenSMART really pays off\u2014literally.<\/p>\n<p>Studies from <a href=\"https:\/\/www.adeptdriver.com\/driver\/\" target=\"_blank\" rel=\"noreferrer noopener\">ADEPT Driver <\/a>show that completing teenSMART can:<\/p>\n<ul class=\"wp-block-list\">\n<li>\n<p class=\"\" data-start=\"2556\" data-end=\"2590\">Reduce collisions by <strong data-start=\"2577\" data-end=\"2590\">up to 49%<\/strong><\/p>\n<\/li>\n<li>\n<p class=\"\" data-start=\"2556\" data-end=\"2590\">Lower bodily injury claims by <strong data-start=\"2623\" data-end=\"2630\">51%<\/strong><\/p>\n<\/li>\n<li>\n<p class=\"\" data-start=\"2556\" data-end=\"2590\">Decrease traffic violations by <strong data-start=\"2664\" data-end=\"2676\">over 50%<\/strong><\/p>\n<\/li>\n<\/ul>\n<p>That kind of performance doesn\u2019t go unnoticed by insurance companies. In fact, many\u2014including Central\u2014offer <strong data-start=\"2786\" data-end=\"2806\">policy discounts<\/strong> for teens who complete the program. In some cases, those savings can extend <strong data-start=\"2883\" data-end=\"2901\">through age 21<\/strong>.<\/p>\n<p>Some policyholders may even qualify for <strong data-start=\"2944\" data-end=\"2965\">discounted access<\/strong> to the course\u2014check with your agent to learn more.<\/p>\n<h2 class=\"wp-block-heading\" id=\"h-teensmart-at-a-glance\">teenSMART at a Glance<\/h2>\n<p>Here\u2019s what you need to know:<\/p>\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/i0.wp.com\/blog.central-insurance.com\/wp-content\/uploads\/2020\/02\/Call-Outs-3.png?ssl=1\"><img data-recalc-dims=\"1\" fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"341\" data-attachment-id=\"20824\" data-permalink=\"https:\/\/blog.central-insurance.com\/teensmart\/call-outs-3\/\" data-orig-file=\"https:\/\/i0.wp.com\/blog.central-insurance.com\/wp-content\/uploads\/2020\/02\/Call-Outs-3.png?fit=1024%2C341&amp;ssl=1\" data-orig-size=\"1024,341\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"Call Outs (3)\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/blog.central-insurance.com\/wp-content\/uploads\/2020\/02\/Call-Outs-3.png?fit=300%2C100&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/blog.central-insurance.com\/wp-content\/uploads\/2020\/02\/Call-Outs-3.png?fit=1024%2C341&amp;ssl=1\" src=\"https:\/\/i0.wp.com\/blog.central-insurance.com\/wp-content\/uploads\/2020\/02\/Call-Outs-3.png?resize=1024%2C341&amp;ssl=1\" alt=\"\" class=\"wp-image-20824\" srcset=\"https:\/\/i0.wp.com\/blog.central-insurance.com\/wp-content\/uploads\/2020\/02\/Call-Outs-3.png?w=1024&amp;ssl=1 1024w, https:\/\/i0.wp.com\/blog.central-insurance.com\/wp-content\/uploads\/2020\/02\/Call-Outs-3.png?resize=300%2C100&amp;ssl=1 300w, https:\/\/i0.wp.com\/blog.central-insurance.com\/wp-content\/uploads\/2020\/02\/Call-Outs-3.png?resize=768%2C256&amp;ssl=1 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\"\/><\/a><\/figure>\n<h2 class=\"wp-block-heading\" id=\"h-peace-of-mind-for-you-safety-for-them\">Peace of Mind for You. Safety for Them.<\/h2>\n<p>When your teen completes teenSMART, you\u2019re not just checking a box\u2014you\u2019re giving them skills that could save a life. And you\u2019re giving yourself the kind of peace of mind that\u2019s hard to come by when your child pulls out of the driveway.<\/p>\n<p>At Central, we\u2019ve seen firsthand how education changes outcomes. That\u2019s why we encourage programs like teenSMART in many of our resources for families\u2014including:<\/p>\n<p>These articles echo what we hear from parents across the country: <strong data-start=\"4609\" data-end=\"4718\">the right training builds confidence, saves money, and helps teens become safer, more thoughtful drivers.<\/strong><\/p>\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/bit.ly\/3TMLa0A\" target=\"_blank\" rel=\" noreferrer noopener\"><img loading=\"lazy\" data-recalc-dims=\"1\" decoding=\"async\" width=\"768\" height=\"384\" data-attachment-id=\"20826\" data-permalink=\"https:\/\/blog.central-insurance.com\/teensmart\/blog-cta-pl-auto-ins-5\/\" data-orig-file=\"https:\/\/i0.wp.com\/blog.central-insurance.com\/wp-content\/uploads\/2020\/02\/Blog-CTA-pl-auto-ins.jpg?fit=768%2C384&amp;ssl=1\" data-orig-size=\"768,384\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"Blog-CTA-pl-auto-ins\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/blog.central-insurance.com\/wp-content\/uploads\/2020\/02\/Blog-CTA-pl-auto-ins.jpg?fit=300%2C150&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/blog.central-insurance.com\/wp-content\/uploads\/2020\/02\/Blog-CTA-pl-auto-ins.jpg?fit=768%2C384&amp;ssl=1\" src=\"https:\/\/i0.wp.com\/blog.central-insurance.com\/wp-content\/uploads\/2020\/02\/Blog-CTA-pl-auto-ins.jpg?resize=768%2C384&amp;ssl=1\" alt=\"\" class=\"wp-image-20826\" srcset=\"https:\/\/i0.wp.com\/blog.central-insurance.com\/wp-content\/uploads\/2020\/02\/Blog-CTA-pl-auto-ins.jpg?w=768&amp;ssl=1 768w, https:\/\/i0.wp.com\/blog.central-insurance.com\/wp-content\/uploads\/2020\/02\/Blog-CTA-pl-auto-ins.jpg?resize=300%2C150&amp;ssl=1 300w\" sizes=\"auto, (max-width: 768px) 100vw, 768px\"\/><\/a><\/figure>\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<p><em>The information above is of a general nature and your policy and coverages provided may differ from the examples provided. Please read your policy in its entirety to determine your actual coverage available.<\/em> <\/p>\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"has-text-align-center has-base-color has-contrast-background-color has-text-color has-background has-link-color has-x-small-font-size wp-elements-06eea7456aae34a1b016320cb64a26ed\"><em>Products underwritten by Central Insurance and affiliated companies. <\/em><br \/><em><strong>Copyright \u00a9 2025 Central Insurance. <\/strong>All rights reserved.<\/em><\/p>\n<\/div>\n<\/div>\n<div class=\"sharedaddy sd-block sd-like jetpack-likes-widget-wrapper jetpack-likes-widget-unloaded\" id=\"like-post-wrapper-25382406-12938-682ebe57ae13d\" data-src=\"https:\/\/widgets.wp.com\/likes\/?ver=14.7-a.5#blog_id=25382406&amp;post_id=12938&amp;origin=blog.central-insurance.com&amp;obj_id=25382406-12938-682ebe57ae13d\" data-name=\"like-post-frame-25382406-12938-682ebe57ae13d\" data-title=\"Like or Reblog\">\n<h3 class=\"sd-title\">Like this:<\/h3>\n<p><span class=\"button\"><span>Like<\/span><\/span> <span class=\"loading\">Loading\u2026<\/span><\/p>\n<p><span class=\"sd-text-color\"\/><a class=\"sd-link-color\"\/><\/div>\n<\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>If you\u2019re a parent of a new driver, you\u2019re probably feeling a mix of emotions: pride, excitement, and\u2014if we\u2019re being honest\u2014a whole lot of worry. Will they drive safely? What if they get distracted? And how much is this going to raise our insurance premiums? These are completely valid concerns, especially during the first year [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":253377,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[94],"tags":[18024,4197,11034,92066],"dealstore":[],"offerexpiration":[],"class_list":["post-253376","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance","tag-auto-insurance","tag-impact","tag-insurance","tag-teensmart"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What Is teenSMART and How Does It Impact my Insurance? - Som2ny Network<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fivemor.com\/?p=253376\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What Is teenSMART and How Does It Impact my Insurance? - Som2ny Network\" \/>\n<meta property=\"og:description\" content=\"If you\u2019re a parent of a new driver, you\u2019re probably feeling a mix of emotions: pride, excitement, and\u2014if we\u2019re being honest\u2014a whole lot of worry. 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