Teen drivers between the ages of 16 and 19 are involved in more car accidents than any other age group in the United States. Every parent who hands over the keys knows this. So does every insurer that prices their premium.
What fewer families know is that a clinically validated program exists specifically to close that gap — and that Stephany Insurance LLC, the 4th-generation independent agency serving Wexford and the surrounding Pittsburgh communities, offers it to eligible Erie Insurance policyholders today.
What TeenSMART Is
TeenSMART® is a crash reduction training program developed by ADEPT Driver, Inc., a research company that has worked with insurance carriers for more than two decades. The program is built on behavioral science and neurocognitive research, and it targets a specific problem: not lack of driving knowledge, but the six behavioral and social factors that cause more than 90 percent of all teen collisions.
The course is computer-based. Teens work through videos, driving simulations, and activities — some completed independently, some alongside a parent — in 30-minute chapters they can take at their own pace from home. The full program runs eight to ten hours, which most families spread over several days.
The outcomes are documented. Teens who complete TeenSMART have fewer accidents, fewer traffic violations, and fewer insurance claims than those who do not. The program has been independently validated and is approved for insurance premium discounts by departments of insurance in 49 states.
The Erie Insurance Partnership
Erie Insurance partnered with ADEPT Driver to give policyholders discounted access to TeenSMART. The program retails for $119.95. Erie customers pay $69.95.
The more significant number is what happens after completion. Erie Insurance has tracked claims data on teens enrolled in TeenSMART, and the pattern holds: fewer accidents, fewer claims, lower risk. Erie reflects that in the premium. Eligible drivers can receive a discount of up to 20 percent on their ERIE auto policy.
The process is automatic. Once a teen finishes the course, ADEPT notifies Erie directly and the discount is applied — no paperwork required from the family. The discount remains in place until the driver turns 20. The course is only completed once.
For most families, the premium savings offset the cost of the program at the first renewal.
Why This Matters
Adding a teenager to an auto policy is one of the most consistent reasons insurance costs increase sharply. The reason is statistical: young drivers crash more. A program that demonstrably reduces crash frequency by up to 30 percent and cuts bodily injury severity by more than 50 percent is not a minor discount mechanism. It is a behavioral intervention with measurable outcomes on real drivers.
ADEPT Driver’s research shows those results have held across more than two decades of tracked data and across participating states. Erie Insurance cited those numbers when it built the discount into its own underwriting.
About Stephany Insurance LLC
Stephany Insurance LLC is a 4th-generation, family-owned independent insurance agency based in Wexford, Pennsylvania, with more than 100 years of combined experience in auto, home, business, and life insurance. As an independent agency, Stephany Insurance has the flexibility to work across carriers — Erie Insurance is its preferred carrier — to find the right coverage for each client rather than a one-size policy.
The agency is licensed in Pennsylvania, Indiana, Maryland, Ohio, Tennessee, West Virginia and Virginia, and serves clients across Wexford, Gibsonia, Ross Township, Allison Park, and the broader Pittsburgh area.
Stephany Insurance can enroll eligible Erie Insurance policyholders in TeenSMART, confirm discount eligibility, and walk families through exactly what the savings mean for their specific policy. For families adding a teen driver — or already carrying one — it is the kind of conversation worth having before the next renewal.
Who Qualifies
Erie Insurance customers with drivers between the ages of 16 and 20 are eligible to enroll in TeenSMART. The discount applies once the teen successfully completes the program and remains in effect until age 20. Discount is subject to eligibility criteria and rates in effect at the time of purchase.
Contact Stephany Insurance LLC
Address: 2500 Brooktree Road, Suite 302, Wexford, PA 15090
Phone: (724) 935-8010
Website: www.stephanyinsurancellc.com
TeenSMART® is offered and managed by ADEPT Driver, Inc. in partnership with Erie Insurance. Only Erie Insurance customers with drivers ages 16–20 who successfully complete the program are eligible for the auto policy discount. Discount of up to 20% is subject to eligibility criteria and rates and rules in effect at the time of purchase. Program cost of $69.95 reflects Erie Insurance customer pricing; standard retail price is $119.95. Crash reduction and bodily injury statistics sourced from ADEPT Driver published research.
