<?xml version="1.0" encoding="UTF-8"?>
<rss version="2.0"
	xmlns:content="http://purl.org/rss/1.0/modules/content/"
	xmlns:wfw="http://wellformedweb.org/CommentAPI/"
	xmlns:dc="http://purl.org/dc/elements/1.1/"
	xmlns:atom="http://www.w3.org/2005/Atom"
	xmlns:sy="http://purl.org/rss/1.0/modules/syndication/"
	xmlns:slash="http://purl.org/rss/1.0/modules/slash/"
	>

<channel>
	<title>Spencer Insurance Blog &#187; teen consequences</title>
	<atom:link href="http://www.spencerinsurance.com/blog/tag/teen-consequences/feed/" rel="self" type="application/rss+xml" />
	<link>http://www.spencerinsurance.com/blog</link>
	<description>The Official Blog of Spencer Insurance Agency, Inc.</description>
	<lastBuildDate>Tue, 31 Jan 2012 07:22:52 +0000</lastBuildDate>
	<language>en</language>
	<sy:updatePeriod>hourly</sy:updatePeriod>
	<sy:updateFrequency>1</sy:updateFrequency>
	<generator>http://wordpress.org/?v=</generator>
		<item>
		<title>New PA Teen Driver Law became effective on December 24, 2011</title>
		<link>http://www.spencerinsurance.com/blog/new-pa-teen-driver-law-became-effective-on-december-24-2011/</link>
		<comments>http://www.spencerinsurance.com/blog/new-pa-teen-driver-law-became-effective-on-december-24-2011/#comments</comments>
		<pubDate>Tue, 17 Jan 2012 08:04:23 +0000</pubDate>
		<dc:creator>Charlie Spencer</dc:creator>
				<category><![CDATA[Charlie]]></category>
		<category><![CDATA[Teen Driver Safety]]></category>
		<category><![CDATA[accident]]></category>
		<category><![CDATA[auto insurance]]></category>
		<category><![CDATA[car insurance]]></category>
		<category><![CDATA[Cell phone ban]]></category>
		<category><![CDATA[Cost of Insurance]]></category>
		<category><![CDATA[costly mistake]]></category>
		<category><![CDATA[driver education]]></category>
		<category><![CDATA[drivers education]]></category>
		<category><![CDATA[graduated drivers license]]></category>
		<category><![CDATA[Insurance Institute of Highway Safety]]></category>
		<category><![CDATA[parent of teen driver]]></category>
		<category><![CDATA[safe driving]]></category>
		<category><![CDATA[safe teen driver]]></category>
		<category><![CDATA[seat belt]]></category>
		<category><![CDATA[spencer insurance]]></category>
		<category><![CDATA[stress and the teen driver]]></category>
		<category><![CDATA[teen consequences]]></category>
		<category><![CDATA[Teen Driver]]></category>
		<category><![CDATA[teen driver education]]></category>
		<category><![CDATA[teen driver expectations]]></category>
		<category><![CDATA[teen driver insurance]]></category>
		<category><![CDATA[teen driver/parent contract]]></category>
		<category><![CDATA[teen safety]]></category>

		<guid isPermaLink="false">http://www.spencerinsurance.com/blog/?p=727</guid>
		<description><![CDATA[<p>Starting December 24, 2011 the new Pennsylvania Teen Driver Law (Act 81 of 2011) became law.  Are you familiar with the changes?  Here are the highlights: The number of hours of supervised, behind the wheel skill building increased from 50 to 65. Ten of these hours must consist of nighttime driving and five of these <a href="http://www.spencerinsurance.com/blog/new-pa-teen-driver-law-became-effective-on-december-24-2011/#more-727" class="more-link">Continue reading &rarr;</a></p>
<p><a class="a2a_dd a2a_target addtoany_share_save" href="http://www.addtoany.com/share_save#url=http%3A%2F%2Fwww.spencerinsurance.com%2Fblog%2Fnew-pa-teen-driver-law-became-effective-on-december-24-2011%2F&amp;title=New%20PA%20Teen%20Driver%20Law%20became%20effective%20on%20December%2024%2C%202011" id="wpa2a_2"><img src="http://www.spencerinsurance.com/blog/wp-content/plugins/add-to-any/share_save_171_16.png" width="171" height="16" alt="Share"/></a></p>]]></description>
			<content:encoded><![CDATA[<p>Starting December 24, 2011 the new Pennsylvania Teen Driver Law (Act 81 of 2011) became law.  Are you familiar with the changes?  Here are the highlights: The number of hours of supervised, behind the wheel skill building increased from 50 to 65. Ten of these hours must consist of nighttime driving and five of these <a href="http://www.spencerinsurance.com/blog/new-pa-teen-driver-law-became-effective-on-december-24-2011/#more-727" class="more-link">Continue reading &rarr;</a></p>
<p><a class="a2a_dd a2a_target addtoany_share_save" href="http://www.addtoany.com/share_save#url=http%3A%2F%2Fwww.spencerinsurance.com%2Fblog%2Fnew-pa-teen-driver-law-became-effective-on-december-24-2011%2F&amp;title=New%20PA%20Teen%20Driver%20Law%20became%20effective%20on%20December%2024%2C%202011" id="wpa2a_4"><img src="http://www.spencerinsurance.com/blog/wp-content/plugins/add-to-any/share_save_171_16.png" width="171" height="16" alt="Share"/></a></p>]]></content:encoded>
			<wfw:commentRss>http://www.spencerinsurance.com/blog/new-pa-teen-driver-law-became-effective-on-december-24-2011/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Free Online Home Study Driving Course Offered to Parents to Teach Their Teens to Drive Safely</title>
		<link>http://www.spencerinsurance.com/blog/free-online-home-study-driving-course-offered-to-parents-to-teach-their-teens-to-drive-safely/</link>
		<comments>http://www.spencerinsurance.com/blog/free-online-home-study-driving-course-offered-to-parents-to-teach-their-teens-to-drive-safely/#comments</comments>
		<pubDate>Tue, 05 Jan 2010 20:01:53 +0000</pubDate>
		<dc:creator>Charlie Spencer</dc:creator>
				<category><![CDATA[Charlie]]></category>
		<category><![CDATA[accident]]></category>
		<category><![CDATA[Cost of Insurance]]></category>
		<category><![CDATA[driver education]]></category>
		<category><![CDATA[drivers education]]></category>
		<category><![CDATA[GPS monitoring system]]></category>
		<category><![CDATA[graduated drivers license]]></category>
		<category><![CDATA[Insurance Institute of Highway Safety]]></category>
		<category><![CDATA[parent of teen driver]]></category>
		<category><![CDATA[parents of teen drivers]]></category>
		<category><![CDATA[safe driving]]></category>
		<category><![CDATA[safe teen driver]]></category>
		<category><![CDATA[safe teen driving]]></category>
		<category><![CDATA[seat belt]]></category>
		<category><![CDATA[stress and the teen driver]]></category>
		<category><![CDATA[teen consequences]]></category>
		<category><![CDATA[Teen Driver]]></category>
		<category><![CDATA[teen driver bumper sticker]]></category>
		<category><![CDATA[teen driver education]]></category>
		<category><![CDATA[Teen Driver Safety]]></category>
		<category><![CDATA[teen driver/parent contract]]></category>
		<category><![CDATA[Teen drivier]]></category>
		<category><![CDATA[teen driving]]></category>
		<category><![CDATA[teen driving contract]]></category>
		<category><![CDATA[teen safety]]></category>

		<guid isPermaLink="false">http://www.spencerinsurance.com/blog/?p=152</guid>
		<description><![CDATA[<p>Tragically car accidents continue to be the primary cause of teenager deaths.  In our area we had three accidents that caused the death of 6 teen drivers in two months.  I have teamed up with  the Society of Family Insurance Specialists (SFIS) in striving to reduce that statistic by  providing parents a free online 16 step <a href="http://www.spencerinsurance.com/blog/free-online-home-study-driving-course-offered-to-parents-to-teach-their-teens-to-drive-safely/#more-152" class="more-link">Continue reading &rarr;</a></p>
<p><a class="a2a_dd a2a_target addtoany_share_save" href="http://www.addtoany.com/share_save#url=http%3A%2F%2Fwww.spencerinsurance.com%2Fblog%2Ffree-online-home-study-driving-course-offered-to-parents-to-teach-their-teens-to-drive-safely%2F&amp;title=Free%20Online%20Home%20Study%20Driving%20Course%20Offered%20to%20Parents%20to%20Teach%20Their%20Teens%20to%20Drive%20Safely" id="wpa2a_6"><img src="http://www.spencerinsurance.com/blog/wp-content/plugins/add-to-any/share_save_171_16.png" width="171" height="16" alt="Share"/></a></p>]]></description>
			<content:encoded><![CDATA[<p>Tragically car accidents continue to be the primary cause of teenager deaths.  In our area we had three accidents that caused the death of 6 teen drivers in two months.  I have teamed up with  the Society of Family Insurance Specialists (SFIS) in striving to reduce that statistic by  providing parents a free online 16 step <a href="http://www.spencerinsurance.com/blog/free-online-home-study-driving-course-offered-to-parents-to-teach-their-teens-to-drive-safely/#more-152" class="more-link">Continue reading &rarr;</a></p>
<p><a class="a2a_dd a2a_target addtoany_share_save" href="http://www.addtoany.com/share_save#url=http%3A%2F%2Fwww.spencerinsurance.com%2Fblog%2Ffree-online-home-study-driving-course-offered-to-parents-to-teach-their-teens-to-drive-safely%2F&amp;title=Free%20Online%20Home%20Study%20Driving%20Course%20Offered%20to%20Parents%20to%20Teach%20Their%20Teens%20to%20Drive%20Safely" id="wpa2a_8"><img src="http://www.spencerinsurance.com/blog/wp-content/plugins/add-to-any/share_save_171_16.png" width="171" height="16" alt="Share"/></a></p>]]></content:encoded>
			<wfw:commentRss>http://www.spencerinsurance.com/blog/free-online-home-study-driving-course-offered-to-parents-to-teach-their-teens-to-drive-safely/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>You should be outraged!</title>
		<link>http://www.spencerinsurance.com/blog/you-should-be-outraged/</link>
		<comments>http://www.spencerinsurance.com/blog/you-should-be-outraged/#comments</comments>
		<pubDate>Mon, 28 Dec 2009 21:38:45 +0000</pubDate>
		<dc:creator>Charlie Spencer</dc:creator>
				<category><![CDATA[Charlie]]></category>
		<category><![CDATA[accident]]></category>
		<category><![CDATA[Cell phone ban]]></category>
		<category><![CDATA[costly mistake]]></category>
		<category><![CDATA[driver education]]></category>
		<category><![CDATA[GPS monitoring system]]></category>
		<category><![CDATA[graduated drivers license]]></category>
		<category><![CDATA[Insurance Institute of Highway Safety]]></category>
		<category><![CDATA[parent of teen driver]]></category>
		<category><![CDATA[parents of teen drivers]]></category>
		<category><![CDATA[safe driving]]></category>
		<category><![CDATA[safe teen driver]]></category>
		<category><![CDATA[safe teen driving]]></category>
		<category><![CDATA[seat belt]]></category>
		<category><![CDATA[stress and the teen driver]]></category>
		<category><![CDATA[teen consequences]]></category>
		<category><![CDATA[Teen Driver]]></category>
		<category><![CDATA[teen driver bumper sticker]]></category>
		<category><![CDATA[teen driver education]]></category>
		<category><![CDATA[teen driver expectations]]></category>
		<category><![CDATA[teen driver insurance]]></category>
		<category><![CDATA[Teen Driver Safety]]></category>
		<category><![CDATA[teen driver/parent contract]]></category>
		<category><![CDATA[Teen drivier]]></category>
		<category><![CDATA[teen driving]]></category>
		<category><![CDATA[teen driving contract]]></category>
		<category><![CDATA[winter driving tips]]></category>

		<guid isPermaLink="false">http://www.spencerinsurance.com/blog/?p=148</guid>
		<description><![CDATA[<a href="http://www.spencerinsurance.com/blog/wp-content/uploads/2009/12/teen-driver3.jpg" rel="lightbox[pics148]" title="teen-driver3"><img src="http://www.spencerinsurance.com/blog/wp-content/uploads/2009/12/teen-driver3.thumbnail.jpg" alt="teen-driver3" width="200" height="133" class="attachment wp-att-149 alignleft" /></a>]]></description>
			<content:encoded><![CDATA[<p><a href="http://www.spencerinsurance.com/blog/wp-content/uploads/2009/12/teen-driver3.jpg" rel="lightbox[pics148]" title="teen-driver3"><img src="http://www.spencerinsurance.com/blog/wp-content/uploads/2009/12/teen-driver3.thumbnail.jpg" alt="teen-driver3" width="200" height="133" class="attachment wp-att-149 alignleft" /></a></p>
<p><a class="a2a_dd a2a_target addtoany_share_save" href="http://www.addtoany.com/share_save#url=http%3A%2F%2Fwww.spencerinsurance.com%2Fblog%2Fyou-should-be-outraged%2F&amp;title=You%20should%20be%20outraged%21" id="wpa2a_10"><img src="http://www.spencerinsurance.com/blog/wp-content/plugins/add-to-any/share_save_171_16.png" width="171" height="16" alt="Share"/></a></p>]]></content:encoded>
			<wfw:commentRss>http://www.spencerinsurance.com/blog/you-should-be-outraged/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Should you give your teen driver their own car?</title>
		<link>http://www.spencerinsurance.com/blog/should-you-give-your-teen-driver-their-own-car/</link>
		<comments>http://www.spencerinsurance.com/blog/should-you-give-your-teen-driver-their-own-car/#comments</comments>
		<pubDate>Wed, 07 Oct 2009 18:47:44 +0000</pubDate>
		<dc:creator>Charlie Spencer</dc:creator>
				<category><![CDATA[Charlie]]></category>
		<category><![CDATA[Teen Driver Safety]]></category>
		<category><![CDATA[Cell phone ban]]></category>
		<category><![CDATA[Cost of Insurance]]></category>
		<category><![CDATA[costly mistake]]></category>
		<category><![CDATA[driver education]]></category>
		<category><![CDATA[GPS monitoring system]]></category>
		<category><![CDATA[graduated drivers license]]></category>
		<category><![CDATA[parent of teen driver]]></category>
		<category><![CDATA[protect your home]]></category>
		<category><![CDATA[safe driving]]></category>
		<category><![CDATA[safe teen driver]]></category>
		<category><![CDATA[seat belt]]></category>
		<category><![CDATA[stress and the teen driver]]></category>
		<category><![CDATA[teen consequences]]></category>
		<category><![CDATA[teen driver bumper sticker]]></category>
		<category><![CDATA[teen driver education]]></category>
		<category><![CDATA[teen driver insurance]]></category>
		<category><![CDATA[teen driver/parent contract]]></category>
		<category><![CDATA[teen driving contract]]></category>

		<guid isPermaLink="false">http://www.spencerinsurance.com/blog/?p=136</guid>
		<description><![CDATA[<p>Many factors will play into your decision, but you should be aware of a recent study.  On September 25, 2009 MSNBC.com had an article titled “1 in 4 teens with own car has been in a crash.”  The research was based on a nationally representative survey of more than 5500 teens in grades nine through <a href="http://www.spencerinsurance.com/blog/should-you-give-your-teen-driver-their-own-car/#more-136" class="more-link">Continue reading &rarr;</a></p>
<p><a class="a2a_dd a2a_target addtoany_share_save" href="http://www.addtoany.com/share_save#url=http%3A%2F%2Fwww.spencerinsurance.com%2Fblog%2Fshould-you-give-your-teen-driver-their-own-car%2F&amp;title=Should%20you%20give%20your%20teen%20driver%20their%20own%20car%3F" id="wpa2a_12"><img src="http://www.spencerinsurance.com/blog/wp-content/plugins/add-to-any/share_save_171_16.png" width="171" height="16" alt="Share"/></a></p>]]></description>
			<content:encoded><![CDATA[<p>Many factors will play into your decision, but you should be aware of a recent study.  On September 25, 2009 MSNBC.com had an article titled “1 in 4 teens with own car has been in a crash.”  The research was based on a nationally representative survey of more than 5500 teens in grades nine through <a href="http://www.spencerinsurance.com/blog/should-you-give-your-teen-driver-their-own-car/#more-136" class="more-link">Continue reading &rarr;</a></p>
<p><a class="a2a_dd a2a_target addtoany_share_save" href="http://www.addtoany.com/share_save#url=http%3A%2F%2Fwww.spencerinsurance.com%2Fblog%2Fshould-you-give-your-teen-driver-their-own-car%2F&amp;title=Should%20you%20give%20your%20teen%20driver%20their%20own%20car%3F" id="wpa2a_14"><img src="http://www.spencerinsurance.com/blog/wp-content/plugins/add-to-any/share_save_171_16.png" width="171" height="16" alt="Share"/></a></p>]]></content:encoded>
			<wfw:commentRss>http://www.spencerinsurance.com/blog/should-you-give-your-teen-driver-their-own-car/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Hold your Teens Accountable!</title>
		<link>http://www.spencerinsurance.com/blog/hold-your-teens-accountable/</link>
		<comments>http://www.spencerinsurance.com/blog/hold-your-teens-accountable/#comments</comments>
		<pubDate>Tue, 04 Nov 2008 17:54:19 +0000</pubDate>
		<dc:creator>Charlie Spencer</dc:creator>
				<category><![CDATA[Charlie]]></category>
		<category><![CDATA[Teen Driver Safety]]></category>
		<category><![CDATA[safe teen driver]]></category>
		<category><![CDATA[teen consequences]]></category>
		<category><![CDATA[teen driving contract]]></category>

		<guid isPermaLink="false">http://www.spencerinsurance.com/blog/?p=42</guid>
		<description><![CDATA[<p>  I just got back from the polls and it was great to see a high voter turnout.  Today is Election Day and I know most of us are glad it is here. My mail will be a little lighter tomorrow and I won’t have as many voice mails to listen to when I get <a href="http://www.spencerinsurance.com/blog/hold-your-teens-accountable/#more-42" class="more-link">Continue reading &rarr;</a></p>
<p><a class="a2a_dd a2a_target addtoany_share_save" href="http://www.addtoany.com/share_save#url=http%3A%2F%2Fwww.spencerinsurance.com%2Fblog%2Fhold-your-teens-accountable%2F&amp;title=Hold%20your%20Teens%20Accountable%21" id="wpa2a_16"><img src="http://www.spencerinsurance.com/blog/wp-content/plugins/add-to-any/share_save_171_16.png" width="171" height="16" alt="Share"/></a></p>]]></description>
			<content:encoded><![CDATA[<p>  I just got back from the polls and it was great to see a high voter turnout.  Today is Election Day and I know most of us are glad it is here. My mail will be a little lighter tomorrow and I won’t have as many voice mails to listen to when I get <a href="http://www.spencerinsurance.com/blog/hold-your-teens-accountable/#more-42" class="more-link">Continue reading &rarr;</a></p>
<p><a class="a2a_dd a2a_target addtoany_share_save" href="http://www.addtoany.com/share_save#url=http%3A%2F%2Fwww.spencerinsurance.com%2Fblog%2Fhold-your-teens-accountable%2F&amp;title=Hold%20your%20Teens%20Accountable%21" id="wpa2a_18"><img src="http://www.spencerinsurance.com/blog/wp-content/plugins/add-to-any/share_save_171_16.png" width="171" height="16" alt="Share"/></a></p>]]></content:encoded>
			<wfw:commentRss>http://www.spencerinsurance.com/blog/hold-your-teens-accountable/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
	</channel>
</rss>

