Even though it’s not high on the priority list for the average young driver, car insurance is a necessary part of driving that is going to have to be addressed.  Car insurance specialists know that young drivers are statistically much more likely to be involved in a collision than an older driver due to their lack of experience behind the wheel, so young driver car insurance tends to run quite a bit higher than it would for an adult – sometimes double or even more.

That does not mean that they shouldn’t be allowed to drive until they have reached a ripe old age.  Despite a lack of experience and a constant scrutiny by your automobile insurance provider, there are several things that a teenager can do to ensure that their auto insurance rates are as low as they can possibly be.

Most auto insurance companies offer a discount for students who are doing particularly well in school.  If you are attending school and can keep your GPA above 3.0 consistently, take a copy of your transcript with you to your local insurance office and request that they give you what is known as a good student discount.

Some insurance carriers offer additional discounts when particular driver’s education classes are attended and completed by young drivers.  Car insurance rates could drop as much as 25% simply by taking one of these courses and by maintaining good grades in school.

The cost of a program like this could run anywhere from $300 to $800 depending on where you live, but that cost will steadily be earned back through a lower rate for your young driver.  Car insurance is a necessity as long as you drive the car, so that cost will be more than made up for over the years.

Even though it is the dream of just about every teenager to go cruising down the road in a fancy sports car with the top down, there are few things that the insurance industry dislikes more.  The choice of car will be one of the most influential decisions you can make regarding the final outcome of the insurance premium for your young driver.

Car insurance companies know that teenagers are more likely to be involved in a collision and that sports cars are not only more expensive to repair, but also tend to result in a certain amount of increased speed on the highway.  None of these are exactly attractive options for them.

By choosing a safer, more mainstream, and, sad to say, boring type of vehicle, you could potentially save yourself 50% compared to what it would be with a SUV or a sports car.  While these vehicles tend to not only be safer and present a lower “vroom vroom” impulse in the young driver, car insurance providers also know that they tend to be filled with additional safety devices such as: driver’s side air bags, passive restraints, and advanced braking systems.  All of these devices lower the risk of injury in the event of a collision, which means that they would end up paying less if a claim was filed.

This somewhat falls in with the same ideas behind choosing a safe car and doing well in school.  It all comes down to being as careful and responsible a driver as you can.  Any sort of violation could prove incredibly costly for your insurance rates.

While traffic and speeding violations will result in a definite increase in premiums, a single DWI (or DUI) could easily result in a doubling or even tripling of your auto insurance rates.  Not only do these show a serious lack of judgment on the part of the driver in his or her decision to drive while intoxicated, but a general disregard for the legal drinking age.

Any infraction has the potential to increase your premiums.  Make sure to keep your record clean.

While not the ideal solution when it comes to young drivers, car insurance rates can be lowered significantly by simply reducing the amount of coverage than your insurance plan has.  Raising the deductible or reducing the amount of liability coverage could result in a significant drop in the premium, but it also comes with just as significant a drop in the amount of protection your insurance company will provide.  It is a risk, but still an option.

While you will be very unlikely to find quality cheap car insurance, young people still have a number of different ways that they can influence the premiums on their insurance coverage.  Above all, be a responsible driver and work hard in school and those rates will definitely drop over time.