Teens and roads have always been a dangerous combination.
Statistically speaking, teens are more likely to get into accidents
and more likely to die in those accidents than any other age group.
Just look at your insurance premium. Add a teen to
your policy and your rates go up no matter what he or she is driving.
"Having a young driver added to your insurance will raise the
rate 50 to 100 percent," says Jeanne Salvatore, vice president
of consumer affairs for the Insurance Information Institute.
Below are some features to include
and avoid to maximize teen auto safety. We also provide a list of cars that meet
those standards, and that have received the highest marks on various crash tests.
Safety
features to include:
Side
airbags that protect the head and chest: Different car makers take
different approaches, says Mark Krawczyk, consumer information director for the
National Highway Traffic Safety Administration, a branch of the U.S. Department
of Transportation. "The trend is now more curtain airbags for the head and
more door-mounted for the chest," he says.
You want a
system of airbags that will protect the head and chest from the front and side
in the event of a crash. In many cars, some airbags (especially the side curtain
variety) are optional, so you may have to pay extra to get the safety you want.
And don't confuse side airbags (which protect the chest) with side curtain airbags
(which protect the head).
And it's a given that you want front
driver and passenger airbags.
Electronic
stability control: Different makers will call this feature different
things. "The technology is designed to help drivers maintain control of vehicles
during extreme steering maneuvers," says Krawczyk.
The
feature "cuts single vehicle crashes by more than half in our studies,"
says Susan Ferguson, senior vice president of research for the Insurance Institute
for Highway Safety.
Anti-lock brakes
(ABS): These allow a driver to maintain control of the steering during
hard or emergency braking situations, says Krawczyk.
And it's
just as important to teach kids how to use anti-lock brakes. When you "hit
the brakes hard, you will feel a pulsating vibration," says Krawczyk. That
means it's working, and you keep your foot on the brake.
Size:
You want some car between your kid and the rest of what's on the road. In 2003,
a study by the National Highway Traffic Safety Administration found that large,
four-door passenger cars had the lowest fatality rates.
"Small
cars have about twice the fatality rate as larger cars for everyone," says
Ferguson. "Generally speaking the larger the car, the better."
That's
why many parents choose an SUV for their teens. But many experts feel that's a
mistake because SUVs are more prone to roll over, and teens are more prone to
one-car accidents that lead to rollover.
Drivers of ages 16
to 20 are more than twice as likely to be involved in a rollover in SUVs than
an older driver, says Krawczyk.
In addition, Ferguson adds,
"They can be a little more difficult to handle, particularly for young drivers,
who are inexperienced and immature."
Easy
to drive: You don't want to put a kid in "any car that requires some
skills to drive," says Gabriel Shenhar, senior automobile test engineer for
Consumer Reports. "You definitely want a safe, secure and forgiving car."
Seatbelts:
All cars have them. Make sure your teen actually uses
them.
Good crash performance:
Most of the auto crash testing is done by two groups. The National Highway Traffic
Safety Administration conducts crash tests on front- and side-impact accidents,
as well as rollover risk. They give tested cars between one (worst) and five (best)
stars. Look up cars at safercars.gov.
The
Insurance Institute for Highway Safety is an independent nonprofit group funded
by the auto insurance industry that also conducts crash tests. They examine front,
side and rear impacts or any combination of those. Ratings are good, acceptable,
marginal or poor. You can look up results for these tests at IIHS.org.
Features to avoid
When it comes to teen drivers, what a
car lacks is also important.
"One thing I'd
caution against is putting teens in cars that are high-powered," says Ferguson.
"They will use that power and speeding is a factor in fatal crashes for teenagers."
(continued
on next page)
-- Posted:
Feb. 15, 2005