Finding Affordable Pennsylvania Car Insurance For Teen Drivers?

Answer 1

Teenage drivers in Pennsylvania are bound to the same insurance regulations that adult drivers are held to. This means that a teen driver must hold liability insurance while operating a personal vehicle in the state. From a practical perspective, teen drivers in Pennsylvania are really divided into two classes. Those who are under 18 years of age are incapable under the law of entering into a contract and so cannot purchase their own insurance. Teens who are 18 years of age or older are considered adults when it comes to insurance. Due to the graduated driver's license system in Pennsylvania, there are also teen drivers who only hold a junior learning permit. Learning drivers are not required to have insurance, mainly because they are not allowed to drive without adult supervision.

For teen drivers in Pennsylvania who are under the age of 18 and who have acquired a junior driver's license as part of the graduated system, there is really only one option for insurance. These drivers must have insurance through their parents, guardian, or another adult. The teen driver will be covered under the insurance policy, but the result for the actual policy holder is an increase in premiums. Since teen drivers do not have long driving records and generally present a higher risk than a more seasoned driver, the increase in premiums can be fairly steep.

Once a teen driver turns 18 in Pennsylvania, they then have the option of acquiring their own individual auto insurance policy. At this age, through the graduated driver's license program, they must also apply for and receive a standard Pennsylvania driver's license. Policies for teen drivers are usually expensive, so many remain on their parent's insurance policies until they have turned 21, when rates being to decline.

The sometimes high price of having a teen driver listed on an existing insurance policy can be offset with some discounts. Adults with policies that are in good standing can often find discounts for multiple drivers or family plans that will reduce the monthly premiums. The type of car that the teen is driving can affect the rates as well. The teen driver themselves can reduce the cost of their own coverage by taking driving courses, installing tracking devices in the car to establish a record of good driving, and even by maintaining good grades in school.