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Car accidents are the leading cause of death for teenagers between 15 and 18 years old, according to the National Highway Traffic Safety Administration (NHTSA). The Center for Disease Control and Prevention (CDC) also reports that drivers between the ages of 16 and 19 are at the highest risk for car accidents of any age group.
ADEPT Driver offers the teenSMART driving education program, which helps teenage drivers practice safe driving habits and reduce their risk of car accidents. The program is available online and may even qualify teen drivers for lower insurance rates.
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What is the teenSMART program?
The teenSMART program helps reduce teen drivers’ chance of collision through a series of modules and simulations. Participants learn how to anticipate potentially dangerous driving situations, improve their situational awareness, and prepare to react in unexpected incidents. The program focuses on visual search, hazard detection, speed adjustment, space management, risk perception, and lifestyle issues.
ADEPT Driver states its program uses advanced behavior science, research, and testing to create a system that targets the primary cause of accidents. It claims its program reduces the risk of collision by an average of 28%, and up to 49%. Additionally, it reports that participants’ chances of receiving a traffic violation decrease by up to 67% for a year after completing the course.
ADEPT Driver designed the teenSMART program for new drivers, but it doesn’t replace driver’s education courses or local requirements for driver’s permits or licensing.
Who’s eligible for the teenSMART program?
To be eligible for the teenSMART program, you must have:
A parent or licensed driver older than 25 to work with for parent-teen activities
An up-to-date computer or tablet with an internet connection
Participants can complete the program at a pace that works best for them. While ADEPT Driver has no deadline for completing the course, your insurance company may require you to complete the course within a certain time to qualify for the discount.
Families with multiple qualifying teen drivers must pay for each separate driver. ADEPT offers a $20 discount for additional drivers.
How the teenSMART program works
Parents of a teen driver can buy access to the teenSMART training program. After ordering, parents will receive a link with a licensing key from ADEPT Driver. Drivers and parents can access the program after completing registration. Parents who complete the registration should register their teen as the program user.
ADEPT Driver charges $119.95 for the program, though you may be able to find discounted rates through your insurance company. Participants should expect to spend at least four hours completing the modules. The program consists of 20-minute modules, and participants may work as quickly or as slowly as they need.
ADEPT Driver’s teenSMART program includes computer-based lessons and practices. Teen drivers will complete driving simulations that highlight the common causes of teen driver crashes and help teens practice avoidance skills. The simulations feature live footage and ask drivers to click when they see a hazard or when it’s safe to make a turn.
Additionally, teens and parents will watch videos, participate in discussions, and use the online skills in real life.
Once all the modules are complete, teen drivers will take a certification test. Drivers receive a certificate of completion and can send this certificate to their insurance company. Drivers may attempt the test up to 10 times.
Companies that offer teenSMART discounts
Some car insurance companies offer discounts for completing the teenSMART program. It’s important to note that some insurers only offer discounts in some states.
So why should you invest in the teenSMART driver program? Completing the course can help your teen and your finances in the following ways:
Prepares teen drivers to handle the most common causes of accidents
Reduces the likelihood of distracted driving and traffic violations, like speeding tickets
Hands-on learning activities that teach drivers in real time
Potential for insurance discounts
Other discounts available to teens
Adding a child to your car insurance can increase your rates. But many insurance companies offer opportunities for teen drivers to qualify for lower insurance rates. Some other discount options available to teen drivers include:
Good student: Students can earn up to 25% off their coverage costs with good grades. Students can utilize these savings until they turn 25.
Student away at school: College students who attend school 100 miles away from home and use the vehicle only when at home may qualify for discounted rates.
Safe driver: Teen drivers may qualify for a discount as high as 20% when they use a safe driving app. Some companies offer additional discounts once a driver completes a year in the safe driving program.
Vehicle safety features: Many insurers offer discounts for drivers who choose vehicles with high safety ratings and additional safety features, like rear cameras.
ADEPT Driver’s teenSMART program FAQs
Parents of teen drivers can learn more about safe cars to buy their children and explore common auto insurance discounts to lower their car insurance premiums. Here are the answers to common questions about car insurance for teens.
Why is insurance coverage for teen drivers so expensive?
The CDC reports that drivers between the ages of 16 and 19 are at a much higher risk for collisions and fatal accidents. Additionally, younger drivers have less experience behind the wheel, which also increases their risk of loss. This increased risk causes insurance companies to charge more for coverage to offset the potential for filing claims.
How can teenage drivers save on car insurance coverage?
Teens can save money on car insurance by using multiple discount programs, including completing the teenSMART program, good grades discount, and the student-away-from-home discount. Additionally, teens may save money through a safe driving program and by driving a vehicle with high safety ratings.
How can you find cheap auto insurance coverage?
The best way to find affordable auto insurance is to compare rates and coverage options from multiple companies. Shopping for rates can help you find the best coverage to fit your needs and budget. Look for companies that offer discounts you can qualify for, like safe driver, good student, low mileage, paperless billing, and autopay discounts.
Angela Brown is a freelance writer with 17 years of professional writing and editing experience. She specializes in finance, real estate, and insurance content. Angela uses her experience to create easy-to-understand content that helps consumers understand tough topics better. When she’s not working, she enjoys spending time with her family and planning vacations.