Young driver with auto insurance

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Car insurance for teens and young drivers can be expensive, but there are some ways to help control the costs.

It's hard to get enthusiastic about your teenager learning to drive. After all, it’s a knuckle-biting time full of worry about their safety and your wallet. And even after young drivers have a few years experience, auto insurance companies still see them as a higher risk. 

Getting car insurance for teens is expensive, but there are some things you can do to control your insurance costs. It's important to plan before your child actually starts driving. Here are some tips to help you get the best insurance value. These points are also valid for college students and other young drivers. 

Do some shopping and compare auto insurance quotes. You should get at least three different quotes. 

The car your teen drives can affect the insurance costs -- and your child's safety. A new vehicle will cost considerably more to insure than an older, used auto. However, many newer vehicles also have more safety features. When you're shopping for a car for your teenage driver, make sure to get auto insurance quotes before you buy. If you have multiple vehicles, list your teenager as the driver on only one of your vehicles. 

Take advantage of good student discounts and let your teenager know that their grades can affect the car insurance price

Even though it may save you money, you probably should not reduce the limits of liability on your teenage driver. You may want to increase them. Since they are among the highest risk drivers on the road, you want to make sure you are financially protected. If they cause an accident, you'll be responsible for the difference between the limits on the policy and the actual damages. 

Continue to teach your child about the importance of good driving -- not only for their safety but to help them get lower insurance rates as they get older. 

Get FREE comparison quotes on car insurance for young drivers now. Use our handy Car Insurance Quote Comparison sheet to help you organize your information and make car insurance shopping even easier.

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