Good student, young drivers with an average of “B” or higher are entitled to discounts. It's not a good idea or legal for a teenager to drive a car without insurance. You can have your teen have their own policy, but it's likely to be much higher than the rate they could have received if they had added it to their parents' policy. Nor will they be eligible for any discounts for multiple policies.
A number of car insurance companies offer a discount of around 3% for vehicles with safety devices, including airbags and anti-lock brakes. Pennsylvania insurance companies offer a loyalty discount of up to 14% to their repeat customers after a certain period of time, and some companies may increase the discount the longer you remain an active customer. People who combine their auto and home insurance policies often get the highest discounts from insurers. Knowing this, most companies offer discounts on car insurance for students, and the savings they offer can be substantial.
In addition, many of the major auto insurance companies list the discounts they offer on their website or mobile app. The 10 biggest insurance companies offer a good student discount, and the requirements are generally the same among insurers. The following are the most common car insurance discounts available when buying insurance in Pennsylvania. Geico, State Farm, Nationwide and The General are good places to shop if you need car insurance for people without drivers.
As seen in the table above, you can get a 3% discount on car insurance rates if you install safety devices in your vehicle. You can get discounts on auto insurance in Pennsylvania depending on how you drive, the car you own, and your relationship with your insurance company. Penalties for driving without insurance in Pennsylvania include fines and the suspension of the driver's license and registration. If you haven't had accidents or fines for the past three years, you can get a discount for safe drivers on your car insurance rates in Pennsylvania.
The auto insurance premium for young adults or teens is determined based on a variety of factors, including your coverages, the deductible, the state in which you live, the value of the car, the discounts available, and many other considerations. Add a full-time student who maintains a B average or higher to your policy, and we'll add a discount on car insurance. For insurance companies, it's similar to having a bad driving record, which is why drivers who let their insurance expire for 60 days pay approximately 16 percent more than the average premium in Pennsylvania. While actual savings will vary depending on the insurance company, the driver's profile and other factors, you may qualify for several discounts that will significantly reduce your car insurance premiums.