Young Driver Car Insurance Blues Car Insurance Discounts For Students Young driver auto insurance rates are expensive, and that is mostly because young drivers do not have a driving record for the insurance company to base rates on.
So they lump the younger drivers in a high risk pool, and those students usually get nailed with high rates.
This is especially true for young males, though females will have higher rates too.
If you are under twenty-five, you may be lumped in a high risk pool.
Insurance companies know that pool is made up of drivers who are more likely to have accidents and make claims.
However, insurance companies also realize that some young drivers are better than others.
Many car insurance companies will offer young driver discounts for a couple of actions they can take.
Car insurance companies like good grades, and so a B average or better will earn a discount with many top companies.
Also, taking the time to take an accredited driver safety class has been proven to reduce accidents, and they also usually come with a decent discount.
Check with your insurance company, or a few insurance companies, until you find out where you can take a class that will shave a few percent off of that premium! Of course, many insurance companies will also offer a multi-policy discount.
So if the same company handles the same family's home insurance, other car insurance, plus the student driver, you may enjoy the best rates out there.
Buy the Student a used Car  However, I do have one more tip if none of this works.
If the family car is fairly new, consider the purchase of an older car for the student driver.
Only put liability insurance on that car.
Even the used car payments, and the liability insurance premiums, are likely to be less than the newer car's full insurance protection.
Besides, your family will get an extra car too.
Just do not let the student driver use the newer car.
Shop Around For Young Driver Car Insurance It can take forever to find the best premiums for your family if you shop the old fashioned way.
However, modern internet quote forms can make this task much easier.
Simply enter basic details one time, and then sit back as top insurers compete for your business.