There are many tricks to the trade when it comes to insuring a new driver and many options that can be explored to help get the best deals available. A very popular method to help save money on car insurance is to get the teen insured along with the parents; in many cases this can be a lot cheaper than if the sixteen year old were to get a policy of their own. This does not mean to simply add the teen to existing policies because the adult’s carrier may not be the most affordable when it comes to teenagers. It may be a good idea to contact the current provider and see what the additional premium would be to add the youth and compare the rate to quotes from other insurers, but the shopping should not stop there; this option is not always the cheapest.

If the youth will be driving their own vehicle it may be a better idea if they were to get insured on their own, especially if the parent is insuring a high end vehicle that may need to be covered by comprehensive and collision. Teens are statistically far more likely to get into an automobile accident than any other age group and comprehensive and collision can be extremely expensive for these youths. According to the Connecticut Insurance Department adding a male teenager can boost premiums 100%.

Another option to consider when purchasing the youth a vehicle which will only needs basic coverage and not protection from physical damage. If possible shop around and compare rates before coming to a final decision on the vehicle that is being purchased; the type of automobile will cause premiums to fluctuate and this is true whether or not the driver is a teen or an experienced motorist. Generally, SUVs, convertibles and performance vehicles will cost more to insure than more practical automobiles. Insuring a teen is not always cheap, but there are many ways to save and steer clear of overpaying for coverage; consumers should take their time and make sure that any savings are taken advantage of.