Just as in any other insurance shopping situation, the best ways to keep insurance costs low for younger drivers are to shop around, to take advantage of as many discounts as possible, and to keep a clean driving record. Some insurers may be more welcoming of teen drivers and may provide affordable rates, so you’ll have to shop around and find which ones offer the best deals. When you do find one, make sure to ask about discounts for being a good student or taking a driver safety course to see if you qualify. Once you’re on the road, make sure to steer clear of accidents and traffic violations in order to preserve your clean record.
Another thing you can do is choose a car for you or your teen that has relatively low insurance costs. Getting a sportier, more expensive car may leave you or your teen paying higher premiums, while buying a low-key, mid-priced model that has good crash and safety ratings may lower the cost of coverage. You can always get quotes for different vehicles before heading to the dealership to decide on a car.