The best way to control car insurance rates for teenage drivers in Pennsylvania is by maintaining a clean driving record. There is nothing that will make a premium jump more than an accident or speeding ticket. Teens need to understand that there are major consequences for irresponsible behavior behind the wheel and mistakes that they make now could end up costing thousands of dollars down the road.
You can expect to pay about $1,000 -$2,000 a year to add a teen driver on to your car insurance policy. There are ways to cut the expense though if the teen is a good student or involved in civic groups like the Boy Scouts. Insurance companies do offer discounts for teens who display responsible behavior and are getting consistently good grades in school.
Another way to limit car insurance rates for teenage drivers in Pennsylvania is to have the teen complete a drivers safety above and beyond their basic drivers training. Completion of a safe drivers course will result in cost savings on insurance. These classes are also great if a teen would get a ticket or be involved in a minor wreck. Pennsylvania allows drivers to wipe points off of their driving record by attending state approved drivers intervention programs. Many of our insurers will give a 10% discount upon receipt of proof of a completed driver training course.
The type of car that your teenager drives will also have a great deal of influence on the cost of insuring the vehicle. Putting them in a safe car will mean lower premiums. Cars that fall into this category are the Honda Civic, Toyota Corolla, Volkswagen Jetta, Honda CRV and Nissan Xterra. Cars that are among the most expensive to insure are the Nissan GT-R, Dodge Viper, BMW 6 and the Ford Shelby. You can figure that any type of sports car is going to be much more expensive to insure than a four door small family sedan. Many insurers are using a term called “collision experience” to rate the cars that is based on a % of the vehicles are involved in accidents and the average cost of each claim. Traditionally young drivers have been attracted to two door models and this has led to much higher collision experience in those models. If you can go with a four door sedan that is rated well for safety features your teenagers insurance premium may be dramatically reduced.
It also can save you money if the car that your teen drives is an older model vehicle. Buying them a car that is only worth a few thousand dollars can generate auto insurance savings because you do not need to carry collision coverage on the vehicle. Best advice is to call before you buy any car and get the rate before you plunk down the cash for the car.