One thing a young driver can do is waiting until they turn 18 years old before driving and procuring insurance. While this may not sound fair, it really does make a huge difference. This one year difference (between 17 & 18) can make an almost 50% difference in the premiums that you can expect to pay.

Another thing a young person can do to get cheaper car insurance is drive a reasonable vehicle. Just think about that for a minute. Picture the insurance agent in his office. He receives an application from a 17 year old who wants to get insurance on a Toyota Prius. After this phone call, the agent receives a phone call from another 17 year old who seeks an insurance quote on a brand new Chevrolet Camaro. Who do you think is going to get the better rate? Obviously, the insurance company will feel that the driver of the Prius is a significantly lesser risk than the other driver.

A third thing a young driver can do is take a defensive driver course or a driver’s safety course. These courses focus on the two items the concern insurance companies the most: lack of experience and lack of attention while driving. When a teenager (or for that matter, a young adult) takes these courses, they are improving their driving skills and reducing the probability of getting into an accident.

A fourth thing that you can do to get cheap car insurance for young driver is explore the options the insurance company offers. Do you get a discount for garaging the vehicle or adding a car alarm? Do you qualify for a discount because of the built in security features of your automobile? Can you have lower premiums if you adhere to mileage restrictions?

A fifth option to lower your premiums is that you can get married. While this may work, we are obviously not advocating getting married simply to lower your premiums. In the long run, you will not save money.

A sixth alternative is to ensure you do well in school. Many insurance companies will give you a discount based on your GPA (the logic being that you are more mature than those students who have lower GPAs).

Yet another option is to see if you can get on your parent’s insurance contract. If you choose to go this route, you must be very careful to do everything legally. It is definitely best to contact an insurance agent to see what the insurance company’s criteria is and if you can qualify.

Another way to get lower car insurance for teens is to simply get multiple insurance quotes from numerous companies. It will simply amaze you when you see the range of price quotes that come in. Additionally, you may be able to negotiate your rates down lower if you can play the insurance companies off of each other.

As we have demonstrated, there are numerous ways to get cheap car insurance for a young driver. And because we all know that young driver car insurance isn’t cheap, we are positive you will implement some of these cost saving strategies, which will definitely result in lower insurance premiums.