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Pennsylvania auto insurance companies have samples of Parent/ Teen Driving contracts which coincide with Pennsylvania's Graduated Driver Licensing. These contracts help families to determine expectations and consequences for their teenage driver. With the goal of teaching the beginning driver good driving habits and develop a strong sense of responsibility while driving on Pennsylvania roads and highways.
The Graduated Driver Licensing program provides for the new driver to have, in addition to their 6 month skill building program, an 80 behind the wheel driving experience which is monitored by the young driver's parents or guardian, or other person above the age of 21 years old. Pennsylvania instituted this program in 1999 due to the large number of teenage drivers who were involved in fatal car crashes. For specific information on this program, contact the Department of Education's website.
The teenage driver is restricted from operating a motor vehicle after 11 pm and not before 5 am, unless accompanied by their parent or guardian. The only exception to this rule is if the teenage driver has permission due to either work or school, and in that case, they must have the appropriate paperwork with them in the event they are stopped by law enforcement.
Pennsylvania has instituted stricter sanctions for teenage drivers, known as Zero Tolerance Law, who violate traffic laws and accumulate up to 6 demerit points on their driving record. Such an infraction will incur a mandatory 90 day suspension of their driver's license, for their first offense. Suspension of driver's licenses increase to 1 year and then 2 years for subsequent law violations prior to age of 21. Driver's license suspension is not the only consequences for traffic violations under Pennsylvania Graduated Driver License Law. Fines up to $5000 may be incurred for violations which involve driving under the influence of alcohol, as well as incarceration for up to 48 hours are possible.
Adults who supply teenage drivers with alcohol can be fined up to $1000.00 for their first offense and face up to one year in jail.
Needless to say, such violations will negatively impact one's Pennsylvania auto insurance rates. However, there are other behaviors which can result in a lowering of Pennsylvania auto insurance rates for teenage drivers, such as good grades, and maintaining safe driving practices.
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