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Teens and car insurance: Who should pay?

Results so far:

Teens
77% 306 votes Total: 396 votes
Parents
23% 90 votes

When I was a new parent, one of the phrases I heard from time to time was, "watch out for the terrible two's." Well I disagree, it's the dangerous D's, driving and dating. I can proudly say I survived them both, but I will only address the first D.

I have two wonderful daughters and when the oldest became of driving age, I took her to get her learners permit, so the driving lessons could begin. Twenty years ago a teenager did not have to take a written test before they learned how to drive. They did the written and actual driving all in one day. Fortunately for me, but unfortunate for my daughter, she failed the written exam three times before she could have her license.

When she passed all the tests and was licensed to drive, she had to work and save to buy a car, and get her own insurance. She wasn't a happy camper, but I know it has been good for her, and has kept her responsible and accountable to herself, and others. She was also motivated enough to put herself through college and continue on with a successful career and have a family.

When the youngest became of driving age, she was treated the same, and has gone on to become equally successful, as her sister. I remember her asking me when she could go to the mall with her friends, and I said when she was able to drive to the mall, with her friends. She continued to ask when would that be, and I said never, but I was just enjoying a mom moment.

I know there teenagers that enjoy the benefits of having new cars, with insurance, and that's okay, but for me there is something about a young person that works and saves for their first new or used car, and insurance.

I work with a young lady who has recently obtained her driver's license and she is driving her grandfather's old pickup truck. I told her it did my heart good to see a beautiful girl driving an old truck to work. She laughed and said she was proud to have this old truck, because she had loved her grandfather very much.

Now I don't know who pays her insurance, but if she's willing to drive a faded and dented truck, then I might consider chipping in a few bucks, for insurance.

Learn more about this author, K L Humphreys.
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