Pennsylvania requires car insurance for all vehicles on the road. Insuring a teen driver for the first time is an additional cost for many parents. For drivers between the ages of 16-18 years, there are new laws that pertain to skill building to help them be responsible drivers. They also include the number of passengers that can be in the automobile. Number of passengers cannot exceed number of seatbelts in the car.
There is a requirement for at least 65 hours of behind the wheel skill building, 10 hours for nighttime driving and 5 hours bad weather driving. Before a teen receives a learners permit the insurance company may want he or she to be included on the parent’s policy. It is a good idea to talk to your agent, about what would be the requirements. Because they are not mature adults, insurance companies consider this a higher risk, which leads to higher premiums.
Your teenager might be eligible for some discounts. Ask your insurance agent if it is possible to get a discount for good grades or completed drivers education courses. The Pennsylvania Department of Motor Vehicles needs to know if new teen drivers will be able to take care of the responsibilities financially, if they have an accident. Whether through a parent’s policy, that covers insurance for them, or a policy of their own.
Insurance premium costs can be a huge issue for younger drivers. Saving money or not getting enough coverage can be a big mistake. There are now ways of establishing financial responsibility. One would be to have a car insurance policy that meets Pennsylvania minimum standards. Another option is to be self-insured, which requires a minimum of $50,000 cash bond.
To drive legally, a registered automobile must have liability insurance protection as follows.
- $15,000 of coverage for an injury or death of one person in an accident
- $30,000 of coverage for injuries or death of more than one person in an accident
- $5,000 of property damage
For young drivers there are other options for more coverage,which offer better protection for them and their family. You will want to discuss other options with an insurance agent. The agent has the knowledge you will need for all the laws pertaining to car insurance for driving in Pennsylvania for teens.
Take some time to investigate rates and coverage at different insurance companies. You will find no two companies are alike. You can make online searches or use toll-free numbers provided by insurance companies. Research is your best way of finding the car insurance in Pennsylvania that gives you the coverage as well as the options you need and can afford