Getting Reasonable Young Car Insurance Rates

Unfortunately age is something you can not control and as a young driver it can be frustrating to try and get a reasonable auto insurance rate because of this factor. Young drivers notoriously pay higher insurance premiums simply because they are deemed as a high risk due to inexperience on the road.

As a young drive ideally you would prefer to get cheap young car insurance. As you know it is illegal to drive without auto insurance so getting the best quote is essential. One of the ways a young driver may lower his rates is by staying on his parent's insurance policy.

Here are some tips for parents to consider when adding your child to your insurance policy.

Yes, your young car insurance rates may go up but there may be a discount for carrying multiple drivers on your policy. Another discount may be applied if your young driver also has his own vehicle as many young car insurance companies give discounts for holding multi-policies with them.

Have your son or daughter enroll in driver's education. These courses offer basics in driving skills and most insurance companies will offer a discount to young drivers who have taken and passed the course. If your child has good grades they may also qualify for a "good student" discount.

Make your young driver pay for his portion of the auto insurance. If he is an active athlete or student and getting a job is impossible make a list of chores around the house for him to do in order to "pay" for his premiums. By making your child help pay for the insurance you are teaching him a valuable lesson about the value of the dollar and responsibility.

By allowing your young driver to remain on your auto insurance you are enabling him to get a more affordable rate. You will also receive some discounts on your policy as well.