Your teenager has just obtained their license and with that a new found sense of freedom. Now you ask how to get cheap auto insurance for my teen? Car insurances can vary dramatically in price so read on to learn how to buy car insurance that is affordable for your teen drivers.

Because teens lack driving experience insurers consider them a high risk to insure and thus the premiums assigned are much higher than an adults insurance rates would be. There are a few things you can do to help reduce the rates you pay for your teen drivers.

First you need to stress to them how important it is for them to keep a clean driving record. That means no speeding tickets, no traffic violations, and no accidents. Over a period of time their safe driving will be rewarded with lower premiums. You can also reduce their rates by purchasing insurance with a higher deductible. The higher the deductible is the lower the premium is.

If you are going to be purchasing a vehicle for your teen choose a vehicle that is built well with extra safety features, and do not choose a vehicle that falls into a sports class or higher risk rating class. Be sure to check the class the vehicle falls into.

The statistics for teen drivers aren’t good. A 16 year old driver is 10 times more likely to get into an accident than an adult between the ages of 30 and 59, so you can see why insurance companies are hesitant to provide good rates. The best thing you can do for your teenager and his or her insurance rates is to teach responsibility and make them accountable. Make them earn your trust for the use of the car, and make them accountable to pay at least a portion of their insurance premiums.

You and your teenager are thrilled with the new found freedom for both of you. So now you need to do your homework and research teen insurance rates so you can get them on the road.

Please note that this description/explanation is intended only as a guideline. Contact your licensed agent for more information.