Do you need car insurance for young drivers? It is a good idea to discover as much as you can before getting insurance quotes.
You can save a lot of time and money, if you understand what factors are used to calculate young drivers car insurance rates. Ultimately, you will find cheaper insurance.
You may be shocked to hear that when it comes to car insurance most people pay substantially more than they really have to. By far the most common mistake is not shopping around.
As you probably know young drivers car insurance can be very costly. That's why it is so important to go the extra mile in order to find the best combination of lower car insurance premiums and good insurance coverage.
One of the biggest problems inexperienced drivers face is their lack of driving history. Unfortunately, there is not really a lot that can be done about it. The majority of insurance companies lump all young drivers together as a high risk. It is proven statistically that because of their inexperience drivers under the age of twenty five are about three times more likely to be responsible for an accident than a driver aged sixty or over.
It is understandable why a huge number of careful young drivers feel 'penalized' by the insurance companies. In the eyes of many, having to pay up to five thousand dollars per year is unjust. There are, of course, things that can be done to aid the situation. You can lower your insurance rates if you maintain good grades at school, drive an "insurance friendly" vehicle and reduce your yearly mileage. You will be glad to hear that some insurance companies do offer up to 25% discount for students who maintain a B average.
Every young driver needs to focus on establishing an excellent driving record. Keep in mind that even a single traffic violation may push your insurance premiums through the roof. Even a small accident can be an excuse for many insurance companies to double your premiums.
Paying close attention to the driving habits and attitude of young drivers on the road is a great idea for parents. Encouraging careful driving practices will help your son or daughter to establish a sound driving record and avoid accidents in the future.
Make sure you check if your state has any regulations and safety laws which apply to young drivers. There are passengers restrictions in the states of Georgia and New Jersey, Florida and California have night driving restrictions for young drivers.
Also keep in mind that in order to apply for a driver's license, same states may require you to complete a number of hours in a driver’s education course.
See also: Women Pay Less For Auto Insurance
Tuesday, 23 March 2010
Thursday, 5 November 2009
What You Need To Know About Philadelphia ’s Young Driver Law
Pennsylvania licenses young drivers through a three-stage program, reflecting the driver’s
gradual progression in skill, experience, and decision-making ability.
LEARNER’S PERMIT
After successfully completing a physical examination, vision screening and knowledge test,
young drivers may begin behind-the-wheel practice. Basic driving skills and safe habits are
developed under adult-supervised conditions. Requirements under the law include:
• Six months of learning: A six-month skill-building period to practice and gain
experience is required before a young driver may take the road test for a junior
license.
• Supervising adult for permit holder must be at least 21: An experienced, licensed
driver aged 21 or older must accompany the young driver at all times.
• 50 hours of adult-supervised skill building: A parent or guardian must certify (Parent
or Guardian Certification Form (DL-180C)) that the young driver’s six months of skill
building included at least 50 hours of practical, adult-supervised driving experience.
• Nighttime driving restriction begins at 11 p.m.: The young driver may not be behind
the wheel between the hours of 11 p.m. and 5 a.m. Young drivers may travel for
employment and for volunteer or charitable service during these hours, but they must
carry proper documentation.
• Passenger limitation: The number of passengers must not exceed the number of seat
belts in the vehicle. This applies to all drivers under age 18.
• Learner’s permit valid for one year: The learner’s permit will be valid for one year with
extensions for those requiring more practice time.
• Required sanctions for high-risk drivers under age 18: A young driver’s permit will be
suspended for 90 days if he or she accumulates six or more points or is convicted of
a single high-speed violation (driving 26 miles per hour or more over the posted speed
limit).
JUNIOR LICENSE
Young drivers who graduate to a junior license have satisfactorily completed all learner’s
permit requirements, including the road test, but the following restrictions still apply:
• Required sanctions for high-risk drivers under age 18: A young driver’s junior license
will be suspended for 90 days if he or she accumulates six or more points or is
convicted of a single high-speed violation (driving 26 miles per hour or more over the
posted speed limit).
• Nighttime driving restriction begins at 11 p.m.: Even with a junior license, a young
driver may not be behind the wheel between the hours of 11 p.m. and 5 a.m.
Exceptions for employment and volunteer or charitable service will apply, but young
drivers must carry proper documentation regarding their need to travel.
• Passenger limitation: The number of passengers must not exceed the number of seat
belts in the vehicle. This applies to all drivers under age 18.h
UNRESTRICTED LICENSE
A full, unrestricted license - typically issued at age 18 - provides unlimited driving privileges
to teenagers who have progressed through the graduated system and have an established
history of safe driving, If certain conditions are met, some young drivers may qualify for an
early license before age 18.
• Unrestricted license before age 18: A young driver cannot obtain an unrestricted
license before age 18 unless he or she has maintained a crash-and conviction-free
record for 12 months and has completed an approved driver’s education course. To
apply for an unrestricted license before age 18, young drivers must complete a special
form, DL-59, and submit it to PennDOT along with a certificate of completion from an
approved driver’s education course, An affidavit of consent from a parent, guardian,
person in loco parentis or spouse who is at least 18 years of age must also be
provided.
• Passenger limitation: The number of passengers must not exceed the number of seat
belts in the vehicle. This applies to all drivers under age 18.
• Required sanctions for high-risk drivers under age 18: A young driver’s unrestricted
license will be suspended for 90 days if he or she accumulates six or more points or
is convicted of a single high-speed violation (driving 26 miles per hour or more over
the posted speed limit).
YOUNG DRIVER TUTOR’S GUIDE (How to Steer Them to Safe Driving)
PennDOT has developed a tutor’s guide for those teaching teenagers to drive. As a helpful
supplement to the Pennsylvania Driver’s Manual, it guides tutors through lesson plans that
help organize the time spent behind the wheel and assists in better preparing young drivers
for the open road.
1. Visit the Official Pennsylvania Department of Transportation
2. And Compare Philadelphia Car Insurance Quotes, Now!
gradual progression in skill, experience, and decision-making ability.
LEARNER’S PERMIT
After successfully completing a physical examination, vision screening and knowledge test,
young drivers may begin behind-the-wheel practice. Basic driving skills and safe habits are
developed under adult-supervised conditions. Requirements under the law include:
• Six months of learning: A six-month skill-building period to practice and gainexperience is required before a young driver may take the road test for a junior
license.
• Supervising adult for permit holder must be at least 21: An experienced, licensed
driver aged 21 or older must accompany the young driver at all times.
• 50 hours of adult-supervised skill building: A parent or guardian must certify (Parent
or Guardian Certification Form (DL-180C)) that the young driver’s six months of skill
building included at least 50 hours of practical, adult-supervised driving experience.
• Nighttime driving restriction begins at 11 p.m.: The young driver may not be behind
the wheel between the hours of 11 p.m. and 5 a.m. Young drivers may travel for
employment and for volunteer or charitable service during these hours, but they must
carry proper documentation.
• Passenger limitation: The number of passengers must not exceed the number of seat
belts in the vehicle. This applies to all drivers under age 18.
• Learner’s permit valid for one year: The learner’s permit will be valid for one year with
extensions for those requiring more practice time.
• Required sanctions for high-risk drivers under age 18: A young driver’s permit will be
suspended for 90 days if he or she accumulates six or more points or is convicted of
a single high-speed violation (driving 26 miles per hour or more over the posted speed
limit).
JUNIOR LICENSE
Young drivers who graduate to a junior license have satisfactorily completed all learner’s
permit requirements, including the road test, but the following restrictions still apply:
• Required sanctions for high-risk drivers under age 18: A young driver’s junior license
will be suspended for 90 days if he or she accumulates six or more points or is
convicted of a single high-speed violation (driving 26 miles per hour or more over the
posted speed limit).
• Nighttime driving restriction begins at 11 p.m.: Even with a junior license, a young
driver may not be behind the wheel between the hours of 11 p.m. and 5 a.m.
Exceptions for employment and volunteer or charitable service will apply, but young
drivers must carry proper documentation regarding their need to travel.
• Passenger limitation: The number of passengers must not exceed the number of seat
belts in the vehicle. This applies to all drivers under age 18.h
UNRESTRICTED LICENSE
A full, unrestricted license - typically issued at age 18 - provides unlimited driving privileges
to teenagers who have progressed through the graduated system and have an established
history of safe driving, If certain conditions are met, some young drivers may qualify for an
early license before age 18.
• Unrestricted license before age 18: A young driver cannot obtain an unrestricted
license before age 18 unless he or she has maintained a crash-and conviction-free
record for 12 months and has completed an approved driver’s education course. To
apply for an unrestricted license before age 18, young drivers must complete a special
form, DL-59, and submit it to PennDOT along with a certificate of completion from an
approved driver’s education course, An affidavit of consent from a parent, guardian,
person in loco parentis or spouse who is at least 18 years of age must also be
provided.
• Passenger limitation: The number of passengers must not exceed the number of seat
belts in the vehicle. This applies to all drivers under age 18.
• Required sanctions for high-risk drivers under age 18: A young driver’s unrestricted
license will be suspended for 90 days if he or she accumulates six or more points or
is convicted of a single high-speed violation (driving 26 miles per hour or more over
the posted speed limit).
YOUNG DRIVER TUTOR’S GUIDE (How to Steer Them to Safe Driving)
PennDOT has developed a tutor’s guide for those teaching teenagers to drive. As a helpful
supplement to the Pennsylvania Driver’s Manual, it guides tutors through lesson plans that
help organize the time spent behind the wheel and assists in better preparing young drivers
for the open road.
1. Visit the Official Pennsylvania Department of Transportation
2. And Compare Philadelphia Car Insurance Quotes, Now!
Saturday, 31 October 2009
Philadelphia Car Insurance News
NATIONAL DRIVER REGISTER PROBLEM DRIVER POINTER SYSTEM FACT SHEET
Q: What is the Problem Driver Pointer System?
A: As part of the National Driver Register, the Problem Driver Pointer System (PDPS) maintains a record of all individuals
whose driving privilege is sanctioned in another state(s). PennDOT uses PDPS to determine if drivers, who are
looking to obtain a Pennsylvania driver’s license product, have any outstanding driver sanctions in other states.
Q: Who is affected?
A: PennDOT checks PDPS before issuing, replacing (duplicate) or renewing a driver’s license or learner’s permit and
will not issue if the customer’s driving privilege is suspended, revoked, cancelled or otherwise withdrawn in another
state.
Q: How will I know if I’m affected?
A: PennDOT will perform a courtesy check of the PDPS both six months and three months prior to the expiration of
your driver’s license. If a sanction(s) is found, PennDOT will mail a notification to you (both at six months, and if
necessary, three months prior to your driver’s license expiration) providing the name of the state(s) where there is
a sanction(s) on your driving record, along with your driver’s licence number relevant to the sanction and the state’s
contact information so that you can follow up with that state(s) to get the sanction(s) resolved. PennDOT is doing
this to give you advance notice in order to clear up any out-of-state sanction(s) in advance of renewing your driver’s
license in Pennsylvania.
Q: What do I need to do if I have a PDPS issue?
A: You must contact the state(s) in question and resolve the issues as mandated by the state(s). After that is completed,
the record should show as cleared in PDPS. You may then submit or resubmit your application for processing.
Q: How much will it cost? Do I have to pay a restoration fee?
A: There is no charge for Pennsylvania if you have a PDPS issue in another state. If the other state requires any fees
as part of their restoration process, you will need to comply with their restoration procedures.
Q: PennDOT mailed me a PDPS letter, but also mailed me a renewal application. Does this mean I am
able to renew?
A: You must first resolve your issue with the other state. PennDOT has mailed the renewal application in anticipation
of you taking the necessary steps to clear your driving privilege. If you submit your application while your driving
privilege is still withdrawn, PennDOT will be unable to process your renewal. We will not renew your driver’s license
until PDPS shows you are clear in all states.
Q: Can I still drive?
A: The presence of a PDPS issue does not mean that you are automatically suspended in Pennsylvania. You may not
drive in any state(s) where your privileges are withdrawn. Additionally, you must have your Pennsylvania driver’s
license in your physical possession when operating a vehicle. If you do not have your Pennsylvania license, PennDOT
will be unable to replace or renew your driver’s license until you are restored in all states.
Read more www.dmv.state.pa.us
Check Out: Cheap Philadelphia Car Insurance
Q: What is the Problem Driver Pointer System?
A: As part of the National Driver Register, the Problem Driver Pointer System (PDPS) maintains a record of all individuals
whose driving privilege is sanctioned in another state(s). PennDOT uses PDPS to determine if drivers, who are
looking to obtain a Pennsylvania driver’s license product, have any outstanding driver sanctions in other states.
Q: Who is affected?A: PennDOT checks PDPS before issuing, replacing (duplicate) or renewing a driver’s license or learner’s permit and
will not issue if the customer’s driving privilege is suspended, revoked, cancelled or otherwise withdrawn in another
state.
Q: How will I know if I’m affected?
A: PennDOT will perform a courtesy check of the PDPS both six months and three months prior to the expiration of
your driver’s license. If a sanction(s) is found, PennDOT will mail a notification to you (both at six months, and if
necessary, three months prior to your driver’s license expiration) providing the name of the state(s) where there is
a sanction(s) on your driving record, along with your driver’s licence number relevant to the sanction and the state’s
contact information so that you can follow up with that state(s) to get the sanction(s) resolved. PennDOT is doing
this to give you advance notice in order to clear up any out-of-state sanction(s) in advance of renewing your driver’s
license in Pennsylvania.
Q: What do I need to do if I have a PDPS issue?
A: You must contact the state(s) in question and resolve the issues as mandated by the state(s). After that is completed,
the record should show as cleared in PDPS. You may then submit or resubmit your application for processing.
Q: How much will it cost? Do I have to pay a restoration fee?
A: There is no charge for Pennsylvania if you have a PDPS issue in another state. If the other state requires any fees
as part of their restoration process, you will need to comply with their restoration procedures.
Q: PennDOT mailed me a PDPS letter, but also mailed me a renewal application. Does this mean I am
able to renew?
A: You must first resolve your issue with the other state. PennDOT has mailed the renewal application in anticipation
of you taking the necessary steps to clear your driving privilege. If you submit your application while your driving
privilege is still withdrawn, PennDOT will be unable to process your renewal. We will not renew your driver’s license
until PDPS shows you are clear in all states.
Q: Can I still drive?
A: The presence of a PDPS issue does not mean that you are automatically suspended in Pennsylvania. You may not
drive in any state(s) where your privileges are withdrawn. Additionally, you must have your Pennsylvania driver’s
license in your physical possession when operating a vehicle. If you do not have your Pennsylvania license, PennDOT
will be unable to replace or renew your driver’s license until you are restored in all states.
Read more www.dmv.state.pa.us
Check Out: Cheap Philadelphia Car Insurance
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