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By R Daniel Williams
Insurance rates for teenage drivers in Pennsylvania can cost the parents quite a bit of money. Since companies are concerned about the safety of teens driving they tend to charge higher rates for them. Yet it is a necessity that must be paid for and generally parents take on the responsibility. There are a few ways that the teen can help to reduce their rates somewhat and ease the burden of their car insurance on their parents. If a teenager tries any of these tips they should contact their agent to see if it will discount their policy.
One way to help lower insurance rates for teenage drivers in Pennsylvania is for the teenager to maintain an immaculate driving record. A clean driving record will go a long way in helping the teen qualify for discounts on their policy. This means obeying any traffic laws and refraining from getting any tickets. Many teens get tickets simply for careless behavior. If a teen truly puts the effort into maintaining their driving record they will be able to do so and can soon have some concrete proof that they deserve those lower rates. An agent will have a hard time arguing with them once they see the driving record.
Another thing that will help drop the cost of insurance rates for teenage drivers in Pennsylvania is for the teen or parent to purchase a car that has extensive safety features. Many insurance carriers offer discounts for various safety features included in the car, such as airbags. This means if the car the teen is driving has these features then their rates are likely to be lower than they would if the car did not have any of these features. So opting for a safer car can save the family money.
Some ways that lower insurance rates for teenage drivers in Pennsylvania are the same that adults use. One of these is to increase the deductible on the policy. This is a common way that people are able to lower their monthly payment for insurance. It means that the amount out of pocket during an accident will be higher, but the amount out of pocket each month is substantially lower. Parents who choose to do this should do so with caution. They should know that they will be able to cover the deductible should the unthinkable happen.
Insurance rates for teenage drivers in Pennsylvania can be high. However that does not mean that there are not ways to lower those costs for the parents. By looking into their driving record teens are potentially able to lower their costs. They can also drive a car with safety features that help reduce the premiums they will pay. Finally increasing the deductible will lower the monthly costs for the parents as well. Whether parents pay for the premiums or make their teens pay for all or a portion, there are ways to help lower the out of pocket expense. This can help relieve parents of a financial burden and make them happier with the policy they have chosen.
About the Author: Univ of Pitt Grad 1984 Started Williams Agency 1986 Providing Better Insurance for Pa & NY residents for Less Money Better Pennsylvania auto insurance for less money email to: dan@williams-agency.net
Source: isnare.com
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