If a seventeen year old teen graduates school a year early, will that make her auto insurance go lower? We live in Pittsburgh PA.

Mike

Pittsburgh, PA

No, normally graduating a year early from high school is not something an insurance provider would factor in to lower car insurance rates for this 17 year old.

If She were eighteen and the only motorist on the policy, some carriers use highest education level to determine insurance rates. There are very few carriers that use this as a rating classification.

If the teenager was able to graduate because of good grades and excelling at school then he or she should verify with their insurance provider to check if they are receiving a discount for being a good student.

Many insurance carriers in Pittsburgh recognize and reward good students with an extra discount in their car insurance. This discount is usually offered to single drivers under 25 years of age. This discount applies to Bodily Injury and Property Damage Liability, comprehensive and collision coverages and medical payments, providing that each such youthful motorist meets certain requirements.

I’m planning to buy a car really soon. But before I do that, I’m also shopping around for a young driver car insurance in Pennsylvania. I’ve read somewhere that being a student has its perks. How much discount can I get with a good student discount on my car insurance?

Bill

Pittsburgh, PA

First of all, let me tell you for the sake of the other readers how a young student driver can be eligible for a good student discount. A good student discount may be availed if you are a student who is (1) below the age of 25, (2) ranked in the upper 20 percent of your class, (3) a full-time student in school (4) on the Dean’s list or honor roll and (5) has a 3.0 or a B and above average. Of course, there are still many other factors you should consider which will depend on your car insurance company’s policies.

The main reason behind this young driver car insurance discount in Pennsylvania is because statistically, students who have high grade point averages or GPAs are much better and responsible drivers behind the wheel. This type of discount applies to property damage liability, bodily injury, medical payments, and comprehensive and collision coverages. Usually, car insurance companies will ask you details if you’re still enrolled in school and stuff like that while in the process of getting your young driver car insurance. And to finally answer your question, you can save up to 10 to 15 percent on your young driver car insurance if you have the good student discount.

What are the ways in which I can get a cheap student car insurance in Pittsburgh?

Edna

Pittsburgh PA

There are ways to get a cheap student car insurance in Pennsylvania. A good discount will let you save at least $150 to $300 a year. You could already use that amount to buy some items you need in school. In order to get that savings, search for companies offering cheap student car insurance in Pennsylvania.

There are a couple of ways for you to get quotes before deciding on which cheap student car insurance in Pennsylvania to buy. Insurance companies have their own ways and schemes in order to offer consumers the most attractive policies. Just do some insurance hunting to know what are these discount programs. Aside from insurance hunting, you can also save a few hundreds by doing these simple steps. Make sure that your car has safety features, like a seat belt and an air bag. These are important considerations for the insurance company. Do not modify your car. Do not add spoilers or change your rims to alloy. Insurance companies do not want those. Keep your mileage low by staying away from the driver’s seat or keeping your car usage to a minimum. When you don’t need to drive, don’t. The walking will give you the exercise that is good for your body. Doing these simple steps and making a thorough search will ultimately result to the best deal you can find for a student car insurance.

My 19-year-old daughter is a beginner driver. She just got her permit. We’re from Pennsylvania. Does the state require her to have car insurance coverage? Do you think I should get her one?

Michael

Pittsburgh, PA

The requirements for beginner drivers are different from state to state. I believe that in Pennsylvania, those with only a learner’s permit aren’t required to have a car insurance coverage. So, your daughter won’t need a car insurance coverage until she finally gets her driver’s license. She might not even have to be listed as a driver yet.

However, when on the road, she must always be accompanied by an adult who is a licensed driver. So in your case, I advise that you inform your car insurance provider about your concern and ask whether or not she can be covered. Getting her covered is really up to the car insurance company.

Commonly, parents have their kids listed under their policy. If she only has a learner’s permit, I hear some car insurance companies won’t even charge you for it. Some can also sell car insurance coverage to those with only a learner’s permit, provided that they obtain their driver’s license after a certain period of time, like 30 days or so.

When she finally gets her license, you have two options. You can purchase a separate car insurance policy for her or as mentioned earlier, you can include her in your car insurance coverage. But as of now, the fact that you have car insurance coverage might be enough. Just be sure to discuss this with your car insurance provider.

Tags: auto insurance, Beginner car insurance