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.

My teenage son will be able to start driving on his next birthday. Do I need to additional teen auto insurance coverage for him or will he be covered under my policy.
Mike D. – Tolleson, AZ

Mike,
There are special teen auto insurance Phoenix rates available but be sure to shop around. Start by calling your existing carrier and ask how much more it will be to add him to your existing policy vs. getting him his own teen auto insurance policy. Be sure to check the internet where you can compare several policies at the same time. I have attached a banner below where you can simply plug in your zip code. I would do this before you call your current carrier so you at least have a ball park to negotiate with. While you are preparing to have a teenage driver on your hands, be sure to let your teen know how important it is to follow the rules of the road. Not only will he be safer, but you will be able to keep your available teen auto insurance Phoenix at a reasonable rate.