According to the National Highway Traffic Safety Administration, younger drivers, classified as 16 to 20 years of age, represent 7 percent of all drivers but were involved in 15 percent of all crashes. With statistics like that, it’s no wonder that insurance companies charge higher premiums and are more reticent to even insure younger drivers. However, if there is a younger driver in the family who needs coverage, don’t fret. There are some tips you can employ to make sure you get car insurance for young people.

Driving Safety Courses

Check with your insurance company to see if there is a discount given on car insurance for young people who have taken and passed a safe driving course. This is usually separate and apart from normal driver’s education. If so, sign the young driver up for the course. Aside from saving money on the auto insurance bill, the young driver will also improve his skills behind the wheel which will even further prepare him for driving on the road.

Drug and Alcohol Education

One fear that insurance companies have is that young drivers will engage in risky behaviors such as drinking or doing drugs before getting behind the wheel. Therefore, some offer cheap car insurance for young drivers if the driver takes an drug and alcohol education class. The insurance company then knows that at least the young driver has been educated about the dangers and consequences of such behavior. They might be more apt to cover the young driver knowing they have taken the course.

Determine the Mileage

Insurance companies base part of your premium payment based on the amount of miles driven. Why? Because it stands to reason that someone who drives more has a greater chance of being in an auto accident. If the young driver is only driving a few miles to school or work and back, then the overall yearly total might be low. An insurance company might be more apt to take a chance on a young driver who only places 10,000 miles a year on the car versus someone else who drives 100,000.

Collision Coverage

Every driver must be insured in case they cause damage to another vehicle or passenger. However, if the insured car the young driver is using is not very valuable, then it makes sense to drop the “collision” portion of the policy. For example, if a car is worth $3,000 and the young driver gets in an accident that does $5,000 worth of damage, then the car will be totaled because it costs more to fix the car then what it’s worth. In this instance, the insurance company writes a check to the driver for the value minus the deductible. Offering to waive the collision portion of the policy might incentivize the insurance company because if the young driver totals the car, then the insurance company does not have to write a check for its value.

Once the insurance company agrees to insure the young driver, combine his policy with other family members to receive a bulk policy discount. It might save you 5 or 10 percent on the overall premiums you have to pay. And of course, the longer the young driver goes without an accident or ticket, the lower the cost of car insurance for young people will become.

Remember you can find an online auto insurance quote by entering in your zip code at the top of the page.