The cost of auto insurance varies from county to county in the Commonwealth of Pennsylvania but on average you can expect to pay about $100- 200 more per month to add a teenager onto your policy. The teens background can also influence the price of the premium because teens with poor driving records or a criminal history will be charged much more because they are perceived as a bigger risk. Statistacally, teenage drivers are 6 times more likely to have an accident in their first three years of driving than any other category of drivers in the state. Many people mistakenly think that seniors are more of an increased risk, but they are not even close in accident frequency.

Insurance rates for teen drivers in Pennsylvania are based on the chances that they will be involved in an accident. Statistics show that teens as a group have the highest number of crashes and even if your teen is very responsible, they are going to lumped in with the rest. You need to stress with your child just how important maintaining a clean driver record is and make sure that they understand that if they operate recklessly they may lose their insurance and not be able to drive at all.

In an effort to reduce the number of accidents involving teenagers, Pennsylvania adopted tougher new standards to be able to obtain a license a few years ago. In addition to extensive drivers training, the teen must pass a vision test and written test before taking an in car exam. The Graduated Drivers License program also requires that all teen drivers log 50 hours of driving with a licensed adult in the car. This is an excellent chance for a parent to school the child in how to be a responsible driver. Assuming the parent has a good driving history and the patience to pull it off. Some high schools are still offering the teenage drivers training program which is a valuable learning tool. This program consists of bookwork and important behind the wheel training that in invaluable. Completion of the school program is a minimum of 10% discount on almost every insurance policy we offer on teenage drivers.

Being a good student can have an impact on insurance rates for teenage drivers in Pennsylvania. Most of the major auto insurance companies will offer a good student discount that can cut up to 15% off the cost of premiums. To qualify for most of the good student discounts, the teen must maintain a grade point average of 3.0 or higher.

Another way to keep down insurance rates for teen drivers in Pennsylvania is to put them behind the wheel of a safe car. Insurance companies give discounts for cars that have anti-lock brakes and air bags. Many of our insurance carriers also offer safety type training and educational porograms that will gain discounts for the auto insurance once they are completed. To enroll your teenage driver in one of these cost saving programs you can contact my office directly for details.

Author Bio: Univ of Pitt Grad 1984 Started Williams Agency 1986 Providing Better Insurance for Pa & NY residents for Less Money Better Pennsylvania auto insurance for less money email to: dan@williams-agency.net

Category: Finances
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