Teens are subject to the same requirements for car insurance in Carlisle, PA. In most instances; the parent is required to list the teen as a driver on their own policy to cover the probabilities. However, if the teen possesses their own vehicle, the parent could avoid this requirement.
Understanding Insurance Requirements
The requirement to add a teen to an automobile insurance policy is at the discretion of the insurance carrier. This addition will increase insurance premiums as all drivers under the age of twenty-five are considered high-risk drivers. Teen drivers under the age of eighteen are typically required to appear on the policy depending on laws preventing them from registering a vehicle in their own name.
Insurance carriers who allow separate policies for teens allow parents to acquire automobile insurance in their teen’s name. This allows them to avoid heightened premiums due to risks associated with teen drivers. The requirement in Pennsylvania implies that the automobile should list the teen as the owner or co-owner to allow acquisition of a separate policy.
Driving School
Some insurance carriers will lower Car insurance in Carlisle PA premiums for teen drivers if he or she has completed a certified driving school program. The program should include defensive driving concepts to assist the teen in avoiding accidents. The parent should also educate them about common traffic violations such as speeding, which could lead to higher premiums.
Financed Automobiles
Insurance premiums are higher for automobiles that are financed. First, the driver is required to maintain full coverage for this automobile. Secondly, the make and model of the vehicle could increase these costs. To keep these costs at a reduced rate, parents of teen drivers should consider a used car purchase that does not require financing. They could save considerably on insurance premiums as they are required to purchase liability and no-fault insurance only.
Some programs in Pennsylvania provide discounts for teen drivers who maintain at least a 3.0 GPA. A review of the terms determines whether the teen qualifies based on his or her driving record. Initiative programs in which teens may receive monetary rewards could assist in the reduction of traffic violations as well.
