Heritage Bank NA
Pioneer Heritage Insurance, LLC
Spicer 320.796.2169
Willmar 320.214.5523
Pennock 320.599.4252
Raymond 320.967.4241

Teen Driver--Things to know.

Do you have a new driver in the household?

If so, here are some tips on how to deal with this new challenge:

Studies have found that the risk of a crash and ticket is highest during the first year of licensure. A natural strategy for mentoring new drivers comes from the combination of progressive privileges and rational consequences. Some parents find a written contract enhances the agreement they make with their teen driver about driving privileges.<<Sample Contract>>

See the following publications put out by the Mn. Dept. of Public Safety for additional information.

Teen Driver Flyer--Mn. Dept. of Public Safety
Teens Behind the Wheel--Mn. Dept. of Public Safety

How to Instruct Your Teen Driver:

  • Ask your teen's driving instructor for advice to make effective use of your practice time
  • Plan what skills you'll be working on before beginning. Work from basic to more complex.
  • Make sure your teen is familiar with all the controls of the vehicle.
  • Keep early lessons short, about 10-15 minutes.
  • Start practicing with only you and your teen in the car--no passengers.
  • Make sure you give directions well in advance of the maneuver you want performed.
  • Let your teen practice under many different driving conditions, including driving at night.
  • As your teen advances, let them do "commentary driving." In this technique, your teen describes what he/she observes as driving.
  • Look for the positive in your teen's driving and let them know about it.
  • Set a good example with your own driving.

Consider the following progression as your teen's driving improves:

Step 1

  • Daylight conditions only
  • Low-stress conditions (low-traffic volume and good road conditions
  • No passengers or a limited number of passengers
  • no cell phone use

Step 2

  • Nighttime driving, with a curfew and no passengers
  • More daytime passengers allowed

Step 3

  • Nighttime driving with one passenger

Step 4

  • All road and traffic conditions allowed
  • Maintain passenger and cell phone use restriction

Step 5

  • Unrestricted privileges to drive

For more info, contact our Willmar office at (320) 214-5523, our Spicer office at (320) 796-2169,
our Pennock office at (320) 599-4251, or our Raymond office at (320) 967-4241.

Products and services offered through Pioneer Heritage Insurance are not insured by FDIC, are not a deposit or other obligation of, or guaranteed by, the depository institution, and are subject to investment risks including possible loss of the principal amount invested.

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