There Goes My Teen Driver - and My Auto Insurance Premiums!

Driving has become a Rite of Passage for thousands of teens each year. Kids can't wait to experience the freedom of driving. Parents rue the upcoming worrisome days, sleepless nights and empty wallets. Unfortunately, due to their inexperience behind the wheel, auto insurance coverage is extremely high. There are a few ways to reduce the cost of car insurance for teenagers. Parents, have your teen read this, it could save you both a lot of money.

If you are a teen, first thing you should do is change your gender to female if you aren't already one. If that isn't an option you are willing to consider, there are other ways to help you save. Instead of buying that cool sports car or trendy truck, opt instead for a late model four door sedan or economy car. These late model granny mobiles will have updated safety features that auto insurance carriers love and have better track records for staying out of crashes. This tip alone could save you hundreds of dollars on car insurance and sometimes these older cars can be more fun. Ever try seating six in a sports car?

Take a driver's safety course and a defensive driving course. These courses are offered several times a year in bigger cities and towns. Check with your local Bureau or Department of Motor Vehicles for places and times. Many auto insurance companies like when teens show the initiative to learn how to better their driving skills. It shows you are serious about safety and are committed to being a great driver. Participating in these courses can possibly save you up to 10% on your insurance bill.

Keep your grades at a B average or above and it could save up to 25% on car insurance from most major auto insurance companies. Higher grades also show responsibility and commitment, two things insurance companies like to see. The more you can prove you are a trustworthy teen, the better your rates will be.

Above all else, shop around. Sometimes it is cheaper to be added to your parents policy, then you can pay your parents the difference. Other times it is less expensive to get your own. Do your homework on auto insurance and have your coverage before you get your learner's permit. The majority of auto insurance companies will honor the coverage on your parent's car if there happens to be an accident, but will then charge back fees for up to 6 months and the policy will also increase in cost. Remember to honor the speed limit and avoid crashes by paying good attention to the road. Allow more experienced drivers to get behind the wheel in bad weather. Tickets and crashes will dramatically increase your car insurance coverage.