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Kids have a way of always finding a puddle to splash in, have you noticed? Sure, you gave them the “puddle warning” before they headed out the door en route to school, but invariably, they always came home with soaking wet pants, soggy socks and shoes, and a nose dripping with who-knows-what virus that heralded the start of another cold. You always figured they’d outgrow it. You did, didn’t you?

If your teenager is about to become a driver, you better pull that warning back out of mothballs. Finding every puddle on the road is not as fun as when we were six or seven, and it can be downright dangerous – much, much worse than a runny nose. Teaching your teenager the rights and wrongs (or dos and don’ts) of driving in rain is vitally important.

Right/Do:

• Make sure a cell phone is fully charged and available (for use when parked, only).
• Make sure the gas tank is filled, or money/credit card available.
• Know where the windshield wiper, headlight and defogger switches are located on the dashboard.
• Make it a rule: If the wipers are on, turn on headlights, as well – not only do you get better visibility, but oncoming drivers may not be able to see you otherwise.
• Avoid puddles if you can do so safely – you never know how deep the pothole is beneath it; if you can’t do it safely, go through it slowly.
• Brake earlier than you think you need to.
• Ensure you have great car insurance for teenagers.

Wrong/Don’t:

• Don’t speed; reduce your speed by 5-10 mph, or as road conditions demand.
• Don’t use cruise control; you need to be in full control of the car.
• Don’t slam on your brakes; on an oil-slicked surface, it will only exacerbate the problem. It’s better to ease off the gas and gently tap the brakes.
• Don’t ever drive across a flooded roadway; believe it or not, even a 1-ton vehicle can be carried away by only a few inches of water.

Finally, in extreme rain conditions, slow down, pull the car off the road to the shoulder, turn on your hazard lights and wait out the storm. Then (and only then) call your parents and let them know you’re safely stopped, ‘cause they’re doing what all parents do when the weather gets really bad and their baby is out in the storm: Worrying.

“I acknowledge your generosity, kindness and sacrifice in allowing me the privilege (yes, I understand that it is a privilege, thank you, wonderful parent) to drive this car, and in return for that privilege:

I vow to obey the posted speed limit;

I vow to obey the traffic laws (even the ones I think are stupid);

I vow to never drive the car if I’ve been drinking or used drugs (not that I’d ever do that anyway);

I vow to never even have beer, liquor or drugs in the car;

I vow to drive in the safest manner possible, always (even when my friends are watching);

I vow never to call or tm anyone on my cell or even to read a tm from anyone (even if it’s from my bffl);

I vow that if I should ever get a ticket that I will not only not hide the ticket from you (I understand that we will need to discuss it), but I will pay for the ticket out of my own (hard-earned) money;

I vow that if the insurance goes up because of that ticket (that I’m never going to get anyway) that I’ll pay the difference;

I vow that I will pay for any damage to the car if the insurance doesn’t cover it (even if it takes the rest of my life);

I vow that I will use my own money to put gas in the car and do all of that nasty mechanical stuff that you’re supposed to do;

I vow that I will not throw garbage into the back seat or on the floor (and if I do, I vow that I’ll clean it before you even notice);

I vow that I will not have more than XXX friends in the car at one time;

I vow that all of my friends will buckle up before I put the car in gear (even if it means we all look like dorks);

I vow to be home when you told me to be home (as opposed to when I said I’d be home);

I vow to call you in an emergency (but you have to promise not to over-react when I call – it’s hard enough telling you as it is);

I vow to come home alive.”

By following these vows, I promise to do my part to keep the car insurance for teenagers at reasonable rates.