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Welcome to the Carl W. Swensen Insurance Agency. For over 40 years the Carl W. Swensen Insurance Agency has been
serving Toms River residents for most insurance needs. Robyn Tillett aquired the Carl W. Swensyn Insuarance Agency in
early 2006 and has carried on the tradition of providing exceptional service at competitive prices.
The
Carl W. Swensen Insurance Agency is conveniently located at 405 Main Street in downtown Toms River and is open Monday - Friday
8am - 5pm (Fridays until 4pm). You can reach the agency by calling 732-244-4730.
Carl W. Swensen Insurance
Agency is pleased to offer:
Auto InsuranceMotorcycle InsuranceBoat InsuranceHomeowners
InsuranceRenters InsuranceFlood InsuranceBusiness Insurance
July 2010
Blogging With Robin
It
is a right of passage. Handing over the keys to the family car to our children is never an easy thing to do. As
parents we worry about the decisions that our own children will make as drivers and we worry about the decisions that are
made by those driving in other vehicles on the road with our children. Teenagers in particular are susceptible but when parents understand the risk factors involved
in letting teenagers get behind the wheel, they can act to improve the situation for their own children.
Don't
rely solely on driver education
High school driver education may be the most convenient way to learn driving
skills, but it doesn't always produce safer drivers. Parents also should set good examples when they drive while reinforcing
the lessons their teens learned in drivers ed.
Restrict night driving
Most nighttime fatal crashes among young drivers
occur between 9 p.m. and midnight, so you can reduce their risk of a crash by restricting nighttime driving after 9 p.m. The
problem isn't just that late-night driving requires more skill. Outings late at night tend to be recreational. In these circumstances,
even teens who usually follow all the rules can easily be distracted or encouraged to take risks.
Restrict passengers:
Teen
passengers in a vehicle can distract a beginning driver and/or lead to greater risk-taking. Because young drivers often transport
their friends, there's a teen passenger problem as well as a teen driver problem. Almost two of every three teen passenger
deaths (62 percent) occur in crashes with a teen driver. While night driving with passengers is particularly lethal, many
fatal crashes with teen passengers occur during the day. The best policy is to restrict teen passengers, especially multiple
teens, all the time.
Supervise practice driving:
Take an active role in helping your teenager learn how to drive.
Plan a series of practice sessions in a wide variety of situations, including night driving. Give beginners time to work up
to challenges like driving in heavy traffic or on the freeway. Supervised practice should be spread over at least six months
and continue even after a teenager graduates from a learner's permit to a restricted or full license.
Remember you are a role model:
New drivers learn a lot by example, so practice safe driving. Teens who have crashes and violations often have parents with
poor driving records.
Require safety belt use:
Don't assume that seat belt use when you're in the car with
your 16-year-old means belts will be used all the time, especially when your child is out with peers. Remember that belt use
is lower among teenagers than older people. Insist on belts all the time.
Prohibit driving after drinking:
Make
it clear that it's illegal and highly dangerous for a teenager to drive after drinking alcohol or using any other drug. While
alcohol isn't a factor in most crashes of teen drivers, even small amounts of alcohol will impair teens.
Choose vehicles for safety, not image:
Teenagers should drive vehicles that reduce their chances of a crash and offer protection in case they do crash. For example,
small cars don't offer the best protection in a crash. Avoid cars with performance images that might encourage speeding. Also,
be mindful that certain vehicles with a higher center of gravity may be more prone to roll over
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At Carl W. Swensen Insurance Agency we view ourselves as a resource for you.
Have a question? Want a quote? Have a concern? Take a moment, complete the form below, and someone from
our office will contact you within one hour (during normal business hours). Need assistance faster? Just give
us a call at 732-244-4730.
Click here to get quotes
for auto and boat insurance
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