Driving Down the Cost of Insurance for Young Drivers – The first and most important step to finding the most affordable auto insurance is to gather and compare quotes from multiple carriers, although this may take a little bit of time, it will pay off once the cheapest policy is found. If possible, quote comparisons should be done based on two different scenarios; the young driver being added to a parent’s policy or getting coverage of their own.

In many cases insuring a youth with a parent can end in an increased premium for the parent, but would still be cheaper than the young driver getting insured on their own; if this is the case they may want to consider getting insured together and the child could pay for the difference. Although these motorists do end up paying more for coverage, they do have some fortunate news; they are entitled to discounts that older drivers may not be privy to.

The North Dakota Department of Insurance suggests that any discounts available should be taken advantage of and a number of companies offer a discount to full time students who get grades which make insurers view them as a “Good Student” (maintaining a “B” grade point average or higher). Completing a safe driving course can also yield a discount. Being a younger motorist may make it a bit more difficult to find affordable coverage, but shopping around and finding savings and discounts where available is one’s best bet to getting the best deal on automobile coverage.