When a teenager gets his or her first drivers license, for parents it can be a blessing and a curse. For busy parents, it can mean a break from toting teens around to ball practice, music lessons, and trips to the mall and movies. On the other hand, having a new teen driver brings with it new worries for parents. In addition to the safety concerns, there is the new expense in additional pennsylvania car insurance premiums. And for teen drivers, the increase can be hefty.
However, many Pennsylvania car insurance companies offer a couple of different discount programs for young drivers. These discount programs can vary significantly among car insurance providers so be sure to check with your car insurance provider for the specifics in their programs.
In general, most Pennsylvania car insurance carriers offer a discount program for young drivers based on student performance. This type of discount is often referred to as a “good student” discount and can apply to high school students’ grade performance and college students’ grade performance. In order to qualify for the good student discount your teen must meet the following requirements:
- Your child must be at least 16 years of age and no older than 24 years old
- Your child must be a full-time high school student or college student
- Your child must maintain at least a B average or a 3.0 GPA;
This program offers young drivers an extra incentive for achieving and maintaining good grades. One note to be aware of is that if you have more than one student in your household who meets the requirements for the good student discount, then you may not get the full discount for each teen. Some carriers will offer only a partial discount for each student.
You should be prepared to provide your carrier with proof of your student driver’s grade point average. Many carrier will accept an official report card or a college transcript. Each time your insurance policy renews, you will need to provide proof that your student driver has met the qualifying requirements.
The other common discount offered by many Pennsylvania car insurance carriers is the discount program for completing a driver education course. There are several companies that offer safe driving courses for students. You can sign up for a safe driving course with one of the private companies that offer them or check with your child’s school to see if they offer a driver education course.
Student driver education courses focus on safe-driving skills, tips, and techniques. They also reinforce the rules of the road and can help young drivers with building the confidence that it takes to be a safe and responsible driver. That’s a win-win for parents. You get the peace of mind that your young driver is learning to be a safe driver and you get to save money at the same time!
So when it’s time for your young driver to get behind the wheel, get a quote from your carrier that includes the good student and safe driver education discounts.
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