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	<title>Spencer Insurance Blog &#187; teen driver insurance</title>
	<atom:link href="http://www.spencerinsurance.com/blog/tag/teen-driver-insurance/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>
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		<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>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Help us Support the Abington Township Police Athletic League (PAL)!</title>
		<link>http://www.spencerinsurance.com/blog/help-us-support-the-abington-township-police-athletic-league-pal/</link>
		<comments>http://www.spencerinsurance.com/blog/help-us-support-the-abington-township-police-athletic-league-pal/#comments</comments>
		<pubDate>Wed, 02 Nov 2011 11:59:32 +0000</pubDate>
		<dc:creator>Charlie Spencer</dc:creator>
				<category><![CDATA[Charlie]]></category>
		<category><![CDATA[Abington Township]]></category>
		<category><![CDATA[Abington Township Police Athletic League]]></category>
		<category><![CDATA[driver education]]></category>
		<category><![CDATA[PAL]]></category>
		<category><![CDATA[parent of teen driver]]></category>
		<category><![CDATA[Police and Youth]]></category>
		<category><![CDATA[Police Athletic League]]></category>
		<category><![CDATA[protect your home]]></category>
		<category><![CDATA[teen]]></category>
		<category><![CDATA[Teen Driver]]></category>
		<category><![CDATA[teen driver education]]></category>
		<category><![CDATA[teen driver insurance]]></category>
		<category><![CDATA[Teen Driver Safety]]></category>
		<category><![CDATA[teen driving contract]]></category>
		<category><![CDATA[teen safety]]></category>

		<guid isPermaLink="false">http://www.spencerinsurance.com/blog/?p=721</guid>
		<description><![CDATA[<p>During the the months of October, November and December, Spencer Insurance will spotlight The Abington Township Police Athletic League (PAL).  For every referral we receive, Spencer Insurance Agency will donate $5 to PAL.  Check out all the great things PAL does for our community.  Visit their website at http://www.abingtonpal.org</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%2Fhelp-us-support-the-abington-township-police-athletic-league-pal%2F&amp;title=Help%20us%20Support%20the%20Abington%20Township%20Police%20Athletic%20League%20%28PAL%29%21" 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>During the the months of October, November and December, Spencer Insurance will spotlight The Abington Township Police Athletic League (PAL).  For every referral we receive, Spencer Insurance Agency will donate $5 to PAL.  Check out all the great things PAL does for our community.  Visit their website at http://www.abingtonpal.org</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%2Fhelp-us-support-the-abington-township-police-athletic-league-pal%2F&amp;title=Help%20us%20Support%20the%20Abington%20Township%20Police%20Athletic%20League%20%28PAL%29%21" 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>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Don&#8217;t take a Gamble. Get an Insurance Checkup!</title>
		<link>http://www.spencerinsurance.com/blog/dont-take-a-gamble-get-an-insurance-checkup/</link>
		<comments>http://www.spencerinsurance.com/blog/dont-take-a-gamble-get-an-insurance-checkup/#comments</comments>
		<pubDate>Tue, 02 Aug 2011 09:44:40 +0000</pubDate>
		<dc:creator>Charlie Spencer</dc:creator>
				<category><![CDATA[Charlie]]></category>
		<category><![CDATA[Home safety]]></category>
		<category><![CDATA[Life insurance]]></category>
		<category><![CDATA[auto insurance]]></category>
		<category><![CDATA[car insurance]]></category>
		<category><![CDATA[costly mistake]]></category>
		<category><![CDATA[driver education]]></category>
		<category><![CDATA[drivers education]]></category>
		<category><![CDATA[home insurance]]></category>
		<category><![CDATA[homeowners insurance in Montgomery county]]></category>
		<category><![CDATA[parent of teen driver]]></category>
		<category><![CDATA[protect your home]]></category>
		<category><![CDATA[safe teen driver]]></category>
		<category><![CDATA[spencer insurance]]></category>
		<category><![CDATA[stress and the teen driver]]></category>
		<category><![CDATA[teen driver insurance]]></category>
		<category><![CDATA[True costs of insurance]]></category>

		<guid isPermaLink="false">http://www.spencerinsurance.com/blog/?p=656</guid>
		<description><![CDATA[<p>You go to your doctor once a year for your annual physical.  You take your pets to the vet for their annual checkup. You take your car for an annual inspection.  Now it’s time to have your annual insurance checkup. Things happen to you every day that can have an impact on your insurance coverage <a href="http://www.spencerinsurance.com/blog/dont-take-a-gamble-get-an-insurance-checkup/#more-656" 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%2Fdont-take-a-gamble-get-an-insurance-checkup%2F&amp;title=Don%26%238217%3Bt%20take%20a%20Gamble.%20Get%20an%20Insurance%20Checkup%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>]]></description>
			<content:encoded><![CDATA[<p>You go to your doctor once a year for your annual physical.  You take your pets to the vet for their annual checkup. You take your car for an annual inspection.  Now it’s time to have your annual insurance checkup. Things happen to you every day that can have an impact on your insurance coverage <a href="http://www.spencerinsurance.com/blog/dont-take-a-gamble-get-an-insurance-checkup/#more-656" 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%2Fdont-take-a-gamble-get-an-insurance-checkup%2F&amp;title=Don%26%238217%3Bt%20take%20a%20Gamble.%20Get%20an%20Insurance%20Checkup%21" 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>]]></content:encoded>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What have you done lately to help your teen become a safer driver?</title>
		<link>http://www.spencerinsurance.com/blog/what-have-you-done-lately-to-help-your-teen-driver-become-a-safer-driver/</link>
		<comments>http://www.spencerinsurance.com/blog/what-have-you-done-lately-to-help-your-teen-driver-become-a-safer-driver/#comments</comments>
		<pubDate>Tue, 15 Mar 2011 10:49:02 +0000</pubDate>
		<dc:creator>Charlie Spencer</dc:creator>
				<category><![CDATA[Charlie]]></category>
		<category><![CDATA[Teen Driver Safety]]></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[parents of teen drivers]]></category>
		<category><![CDATA[protect your home]]></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[spencer insurance]]></category>
		<category><![CDATA[stress and the teen driver]]></category>
		<category><![CDATA[Teen Driver]]></category>
		<category><![CDATA[teen driver education]]></category>
		<category><![CDATA[teen driver insurance]]></category>
		<category><![CDATA[teen driver/parent contract]]></category>

		<guid isPermaLink="false">http://www.spencerinsurance.com/blog/?p=490</guid>
		<description><![CDATA[<p>Time is moving fast. One fourth of the year is nearly gone.  Hopefully, during the first quarter you took advantage of the abundant snowfall by taking your teen driver out for a lesson in driving in the snow.  There is no better way to get experience driving in the snow that with the supervision of <a href="http://www.spencerinsurance.com/blog/what-have-you-done-lately-to-help-your-teen-driver-become-a-safer-driver/#more-490" 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%2Fwhat-have-you-done-lately-to-help-your-teen-driver-become-a-safer-driver%2F&amp;title=What%20have%20you%20done%20lately%20to%20help%20your%20teen%20become%20a%20safer%20driver%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>]]></description>
			<content:encoded><![CDATA[<p>Time is moving fast. One fourth of the year is nearly gone.  Hopefully, during the first quarter you took advantage of the abundant snowfall by taking your teen driver out for a lesson in driving in the snow.  There is no better way to get experience driving in the snow that with the supervision of <a href="http://www.spencerinsurance.com/blog/what-have-you-done-lately-to-help-your-teen-driver-become-a-safer-driver/#more-490" 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%2Fwhat-have-you-done-lately-to-help-your-teen-driver-become-a-safer-driver%2F&amp;title=What%20have%20you%20done%20lately%20to%20help%20your%20teen%20become%20a%20safer%20driver%3F" 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>]]></content:encoded>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Letter to the Editor of Philadelphia Inquirer today.  This is the unedited version.</title>
		<link>http://www.spencerinsurance.com/blog/letter-to-the-editor-of-philadelphia-inquirer-today-this-is-the-unedited-version/</link>
		<comments>http://www.spencerinsurance.com/blog/letter-to-the-editor-of-philadelphia-inquirer-today-this-is-the-unedited-version/#comments</comments>
		<pubDate>Sun, 13 Mar 2011 20:08:07 +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[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[parents of teen drivers]]></category>
		<category><![CDATA[referrals]]></category>
		<category><![CDATA[safe teen driver]]></category>
		<category><![CDATA[stress and the teen driver]]></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>

		<guid isPermaLink="false">http://www.spencerinsurance.com/blog/?p=514</guid>
		<description><![CDATA[<p>To the editor: March 8, 2011  Once again, our State Rep, Josh Shapiro, introduced legislation to ban the use of hand held cell phones and texting while driving.  Once again our elected officials failed us by not passing this ban.  We should be outraged!  Pennsylvania is one of a few states left that does not <a href="http://www.spencerinsurance.com/blog/letter-to-the-editor-of-philadelphia-inquirer-today-this-is-the-unedited-version/#more-514" 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%2Fletter-to-the-editor-of-philadelphia-inquirer-today-this-is-the-unedited-version%2F&amp;title=Letter%20to%20the%20Editor%20of%20Philadelphia%20Inquirer%20today.%20%20This%20is%20the%20unedited%20version." 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>]]></description>
			<content:encoded><![CDATA[<p>To the editor: March 8, 2011  Once again, our State Rep, Josh Shapiro, introduced legislation to ban the use of hand held cell phones and texting while driving.  Once again our elected officials failed us by not passing this ban.  We should be outraged!  Pennsylvania is one of a few states left that does not <a href="http://www.spencerinsurance.com/blog/letter-to-the-editor-of-philadelphia-inquirer-today-this-is-the-unedited-version/#more-514" 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%2Fletter-to-the-editor-of-philadelphia-inquirer-today-this-is-the-unedited-version%2F&amp;title=Letter%20to%20the%20Editor%20of%20Philadelphia%20Inquirer%20today.%20%20This%20is%20the%20unedited%20version." id="wpa2a_20"><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>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The Roads are crazy now that Schools are open again!</title>
		<link>http://www.spencerinsurance.com/blog/the-roads-are-crazy-now-that-schools-are-open-again/</link>
		<comments>http://www.spencerinsurance.com/blog/the-roads-are-crazy-now-that-schools-are-open-again/#comments</comments>
		<pubDate>Tue, 07 Sep 2010 15:12:56 +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[drivers education]]></category>
		<category><![CDATA[GPS monitoring system]]></category>
		<category><![CDATA[graduated drivers license]]></category>
		<category><![CDATA[parent of teen driver]]></category>
		<category><![CDATA[safe teen driver]]></category>
		<category><![CDATA[spencer insurance]]></category>
		<category><![CDATA[stress and the teen driver]]></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[texting]]></category>
		<category><![CDATA[texting ban]]></category>
		<category><![CDATA[texting while driving]]></category>

		<guid isPermaLink="false">http://www.spencerinsurance.com/blog/?p=337</guid>
		<description><![CDATA[<p>Now that Labor Day is behind us we see a lot more activity on the roads.  People are back from vacation, teachers and students are heading back to school and parents are busy driving their children to all their activities. This is a great time to discuss with your teen drivers the rules you set <a href="http://www.spencerinsurance.com/blog/the-roads-are-crazy-now-that-schools-are-open-again/#more-337" 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%2Fthe-roads-are-crazy-now-that-schools-are-open-again%2F&amp;title=The%20Roads%20are%20crazy%20now%20that%20Schools%20are%20open%20again%21" id="wpa2a_22"><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>Now that Labor Day is behind us we see a lot more activity on the roads.  People are back from vacation, teachers and students are heading back to school and parents are busy driving their children to all their activities. This is a great time to discuss with your teen drivers the rules you set <a href="http://www.spencerinsurance.com/blog/the-roads-are-crazy-now-that-schools-are-open-again/#more-337" 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%2Fthe-roads-are-crazy-now-that-schools-are-open-again%2F&amp;title=The%20Roads%20are%20crazy%20now%20that%20Schools%20are%20open%20again%21" id="wpa2a_24"><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>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Keep Our Teens Safe!!</title>
		<link>http://www.spencerinsurance.com/blog/keep-our-teens-safe/</link>
		<comments>http://www.spencerinsurance.com/blog/keep-our-teens-safe/#comments</comments>
		<pubDate>Tue, 27 Apr 2010 19:56:11 +0000</pubDate>
		<dc:creator>Charlie Spencer</dc:creator>
				<category><![CDATA[Charlie]]></category>
		<category><![CDATA[Teen Driver Safety]]></category>
		<category><![CDATA[accident]]></category>
		<category><![CDATA[Cell phone ban]]></category>
		<category><![CDATA[Cost of Insurance]]></category>
		<category><![CDATA[costly mistake]]></category>
		<category><![CDATA[drivers education]]></category>
		<category><![CDATA[graduated drivers license]]></category>
		<category><![CDATA[parent of teen driver]]></category>
		<category><![CDATA[safe teen driver]]></category>
		<category><![CDATA[seat belt]]></category>
		<category><![CDATA[teen driver insurance]]></category>
		<category><![CDATA[teen driver/parent contract]]></category>
		<category><![CDATA[teen driving]]></category>
		<category><![CDATA[teen driving contract]]></category>

		<guid isPermaLink="false">http://www.spencerinsurance.com/blog/?p=199</guid>
		<description><![CDATA[<p>Starting May 1st, New Jersey young drivers will face additional restrictions designed to help keep our teens safe. The new law requires a red reflective decal on the front and rear license plates of vehicles operated by a permit or probationary license holder under age 21.  These decals are removable should another driver who is <a href="http://www.spencerinsurance.com/blog/keep-our-teens-safe/#more-199" class="more-link">Continue reading &rarr;</a></p>
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			<content:encoded><![CDATA[<p>Starting May 1st, New Jersey young drivers will face additional restrictions designed to help keep our teens safe. The new law requires a red reflective decal on the front and rear license plates of vehicles operated by a permit or probationary license holder under age 21.  These decals are removable should another driver who is <a href="http://www.spencerinsurance.com/blog/keep-our-teens-safe/#more-199" 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%2Fkeep-our-teens-safe%2F&amp;title=Keep%20Our%20Teens%20Safe%21%21" id="wpa2a_28"><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>
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		</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>
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		<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_32"><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_34"><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>
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		</item>
		<item>
		<title>Driving is a “Privilege” not a “Right”</title>
		<link>http://www.spencerinsurance.com/blog/driving-is-a-%e2%80%9cprivilege%e2%80%9d-not-a-%e2%80%9cright%e2%80%9d/</link>
		<comments>http://www.spencerinsurance.com/blog/driving-is-a-%e2%80%9cprivilege%e2%80%9d-not-a-%e2%80%9cright%e2%80%9d/#comments</comments>
		<pubDate>Tue, 08 Sep 2009 15:53:53 +0000</pubDate>
		<dc:creator>Charlie Spencer</dc:creator>
				<category><![CDATA[Charlie]]></category>
		<category><![CDATA[Teen Driver Safety]]></category>
		<category><![CDATA[accident]]></category>
		<category><![CDATA[Cost of Insurance]]></category>
		<category><![CDATA[costly mistake]]></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[teen driver insurance]]></category>
		<category><![CDATA[Teen drivier]]></category>
		<category><![CDATA[teen driving]]></category>
		<category><![CDATA[teen driving contract]]></category>
		<category><![CDATA[teen safety]]></category>
		<category><![CDATA[True costs of insurance]]></category>

		<guid isPermaLink="false">http://www.spencerinsurance.com/blog/?p=131</guid>
		<description><![CDATA[<p>Fall is “Back to School” time.  This means more traffic on the roads especially in the morning as parents take their children to school.  It is also a time when more teen drivers are on the road and we need to be more alert.  This is a great time to remind your teen drivers that <a href="http://www.spencerinsurance.com/blog/driving-is-a-%e2%80%9cprivilege%e2%80%9d-not-a-%e2%80%9cright%e2%80%9d/#more-131" class="more-link">Continue reading &rarr;</a></p>
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			<content:encoded><![CDATA[<p>Fall is “Back to School” time.  This means more traffic on the roads especially in the morning as parents take their children to school.  It is also a time when more teen drivers are on the road and we need to be more alert.  This is a great time to remind your teen drivers that <a href="http://www.spencerinsurance.com/blog/driving-is-a-%e2%80%9cprivilege%e2%80%9d-not-a-%e2%80%9cright%e2%80%9d/#more-131" class="more-link">Continue reading &rarr;</a></p>
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