It’s an exciting time when a teenager finally gets his or her license. Teens feel ready for the freedom that driving offers while parents are concerned with possible dangers associated with driving. Adding your teen to your insurance policy or helping them to get their own insurance policy is the first step to make sure that you’re covered. Call your McCartin Insurance agent to add your young driver with a learner’s permit to your family’s auto policy.
Here are some common questions parents and teens have about teen car insurance:
Can teen drivers get their own insurance?
A teen driver under the age of 18 can get their own insurance for a motor vehicle as long as a parent or guardian signs the policy. A teen driver can only drive their parents’ car if they have their own policy or are a named driver on their parents’ policy. The law requires teens to have at least third-party coverage, even if they are driving with their parents’ permission.
Why Do New Drivers Pay Higher Rates for Insurance?
Car insurance costs vary among different age groups because some groups have worse driving records, higher accident rates and accidents that are more expensive than other groups. Teen drivers have the highest rates with the most high rates for male drivers under the age of 25. Every year, studies show that young drivers between the ages of 16 and 19 are involved in more accidents than other age groups.
Are there any Insurance Discounts Available for Teen Drivers
McCartin Insurance can help teen drivers stay safe on the road and save money. Erie Insurance offers young drivers a discount between 5 and 20 percent.1 Young drivers may qualify for:
- Youthful Driver Discount – Unmarried drivers under 21 who reside with their parents.2
- Youthful Longevity Discount – Unmarried young drivers may receive a credit for the consecutive years spent insured under another ERIE auto policy (usually a parent’s or guardian’s policy).2
- Driver Training Discount – A discount for young drivers under age 21 who have completed an accredited driver training course.3
The college student discount3 is available if your son or daughter is living away from home while attending school and does not have access to a car. You can receive a discount for the time that he or she isn’t driving the car.
Are there any courses about safe driving for teen drivers?
Teens interested in sharing the message about safe driving can Join the Shift, a teen driver safety program created by ERIE.
The program promotes a friendly competition each fall between schools and students to practice and share messages about safe driving habits. Prizes (cash and gift cards) are awarded to students and the schools that are the most engaged in the program. Ask your McCartin agent for more details about the program. For more safety information, go to our blog that has tips on teen driving safety.
In conclusion, McCartin Insurance helps insure teen drivers and encourages safe driving habits. Contact us for a rate quote today. We insure young drivers in Maryland, Washington, DC, Delaware, North Carolina, Ohio, Pennsylvania, West Virginia and Virginia.
1The discount is not available in all states. See individual policies for specific coverage details. Certain terms and limitations may apply. Refer to Erie Insurance’s disclaimer for additional information.
2Not available in North Carolina.
3Not available in North Carolina or Kentucky.