My parents let me start driving as soon as I was able so I could help them run errands, but in my line of work I see too many car accidents involving teenagers to think this is a safe practice today. Teenage driving safety is…

My parents let me start driving as soon as I was able so I could help them run errands, but in my line of work I see too many car accidents involving teenagers to think this is a safe practice today. Teenage driving safety is one of my biggest concerns—an insurance policy can protect you financially, but it can’t take back a car accident.

According to the Center for Disease Control, car accidents are the number one cause of death among American teens. There are simply too many distractions for inexperienced teenage drivers to process what could be life or death decisions. Scientists from the National Institutes of Health (NIH) have found that vital areas of the teenage brain don’t fully develop and mature until age 25. Plus, research by the NIH’s National Institute of Mental Health suggests that emotional immaturity, not inexperience, is the primary reason teenage drivers are responsible for far more car accidents than any other age demographic.

Your insurance policy will probably reflect the higher risk for teenage drivers, but let’s take a look at what you need to have in an auto insurance policy to help protect the teenage drivers in...