Reader:

I am fighting with my teenage son about the responsibilities associated with being a driver. The cost on insurance for young drivers in Pennsylvania is outrageous and I can’t take the risk that he will not be a good driver. Any suggestions?
Cassie W. – New Castle, PA

Editor:

Cassie,
Think about having your son pay for his portion of the insurance bill. That way if he is responsible for paying and knows the rates will increase if he gets a ticket or into an accident then he might be forced to drive responsibly. Also keep an eye on his grades. Many believe that those with good grades are likely to drive more responsibly. Lastly – shop around to look a better rate on insurance for young drivers in Pennsylvania. Insurance rates are extremely competitive right now so if you shop online comparing multiple carriers, you are likely to find something more affordable for both you and your son.

Help! My husband’s 17 year old son is coming to stay with us. He doesn’t have a car and my husband insists on buying him a used one, although I don’t think it’s a good idea. He has a DUI, a few speeding tickets and a ton of parking tickets on his record already! Will he be able to get his own teen auto insurance policy or will he have to go on ours? If he goes on ours, how much more will we have to pay each month?
Martha Y. – Goodyear, AZ

Martha,
It looks like you will have your hands full, but the good news is there are lots of options out there for teen auto insurance Phoenix policies. His policy may have rate increases because of his history and probably won’t be eligible for discounts, but your best bet is to do lots of research. Call your current carrier and ask how much it would be to get him his own policy vs. adding him to yours. Then look online where you can research multiple carriers at the same time. Be sure to have a policy in place before he starts driving any of your cars! Oh, and the parking tickets won’t affect the teen auto insurance Phoenix rate. Just be sure they are all paid or he may be at risk to have his car towed!