Reader’s Question:

What is the meaning of “graduated licensing” law; is it enforced in Cincinnati Ohio OH and what does it mean in connection to my auto insurance premium?

Lee

Cincinnati Ohio OH

Hi there, Lee

Cincinnati Ohio OH has what is called as the “graduated licensing” law for teenage drivers. This is the different stages in teenage driving to allow them to obtain experience gradually by having them drive under low risk environment and eventually having the experience increased to more difficult conditions. In Cincinnati, Ohio OH, this “graduated licensing” period begins at the age of 15.5. This phase will give parents with teenagers a chance to prolong the period of having to be charged with auto insurance premiums. Auto insurance companies in the state of Ohio allow parents to list their adolescents under their auto insurance policy without any additional auto insurance premium. Auto insurance premiums will start after their teenage son or daughter has already obtained their driver’s license. Also note that auto insurance policies wherein adolescents are included or auto insurance policies for adolescents alone will definitely have higher auto insurance premiums than any other kind of auto insurance. There are two stages of “graduated licensing”, the learner’s stage which has the minimum entry age of 15.5 and the intermediate stage which has 16 as the minimum age. In the state of Ohio, the learner’s stage is required to have 50 hours of supervised driving with 10 hours during night time. For the intermediate stage, 16 year old teens are prohibited to drive alone between midnight and 6 in the morning and 17 year olds are not allowed to drive by themselves from 1 a.m. to 5 a.m. Adolescents in the intermediate stage are also allowed to have no more than one passenger in the car when driving.

You can get free quotes for auto insurance of Ohio in this site. With this quotes, you will be able to evaluate how much it would cost you to buy the needed insurance.

Tags: auto insurance