Here’s the dilemna…youthful operators cost more to insure and they’re the most likely to have limited funds to buy insurance. Hmm, that is a problem. Considering that a 16-19 year old driver is minimally three times more likely to be involved in an accident it’s only fair that they pay more to insure themselves. Hopefully we can all agree on that fact.
Of course I do have clients whose children can do no wrong !! You’ve probably met this family, I think we all have. And of course we’ve reserved special pricing for these “golden children” Ha….surprisingly enough Mom & Pop I’m not buying junior’s “special” status until he’s gotten a few years of accident free driving under his belt. Then we can think about getting him a decent rate on his pennsylvania auto insurance.
Hopefully you were able to get him/her some credit built up so that when we get the credit score there will be some history. Credit score will continue to be a big factor in insurance rating so give him a head start by getting a decent credit score started at a young age. Of course the driving history will be critical so be mindful that any violations will be looked at “under the microscope” for youthful operators. Couple a good driving history with good credit and your youngdriver is in line for a preferred rate at even a fairly young age. Be sure to touch base with us and get a pa auto insurance rate at any stage of his/her driving history and we’ll get you his insurance score.
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