Perhaps the most difficult and stressful part of teaching a young person to drive is finding affordable car insurance for the young person. Cheapest insurance for young drivers is outrageously expensive and can really cut deep into the family budget. However, there are a few ways to find lower car insurance rates for a young individual. In addition to reducing the average cost of policies, many of these steps can help to keep teenage drivers safe.

Have the teen enroll in a drivers education course. Many a company give a discount for attending state-approved driver education classes.

Successful completion of a defensive drivers class can result to lower cost. These courses are cheap and normally take less than a day to complete. Some states will even allow you to take the courses online. Your local Department of Motor Vehicles (DMV) can provide you with a listing of approved driver courses.

Encourage the young drivers to get good grades and shop around for an insurance company that offers a discount to students with good grades. Companies differ on good-student discount GPA requirement, but many companies offer one.

Choose an ideal car for your teenager. If possible choose a vehicle of lesser value. Teen drivers with fancy cars cost a lot to insure, so try to opt for a modest vehicle. An older car and a car that is equipped with safety features cost less to insure than a sporty model or new cars. Driving a vehicle with airbags and anti-lock brakes will help lower your car insurance cost on average.

Choose a high deductible insurance policy for your young driver in order to get an affordable monthly premium. This generally lowers the premium, when buying vehicle insurance for teens. What this means is that if they were to get into an accident, you would have more out of pocket expenses and the insurance company would pay less.

Another way to lower the cost of insurance coverage is to add the young person to your existing plan. This will allow you to get multiple car discounts and cost less than getting a separate insurance plan for the teen’ car. If appropriate, you can even save more money by listing the young person as a part-time driver instead of a primary driver.

Get the teen to learn good driving habits in order to maintain a clean driving record. A clean safe driving record is a sure-fire way to lowering the average insurance cost.

One of the best ways to find good deals on policies is to shop around. Spend the effort to obtain lots of quotes from different carriers when you want to find the right insurance at a lower rate. When comparing insurance policies, be sure you’re comparing similar coverage. Taking the time to perform an extensive search can be well worth it; it can help you save a significant amount of money on auto insurance costs.

You can get quotes online or by calling on local agents. Consolidator sites can save you some time. You’ll be provided with quotes from numerous providers.

You now have the information and tips you need to find the cheapest rates for young drivers at affordable rates. Use this information to your advantage.

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