Getting the cheapest car insurance for teenagers is usually thought be be a fairly difficult thing to do. So why are teenage drivers so expensive to insure? Its because statistics show that most teenage drives totally suck as drivers because of raging hormones, general lack of experience as drivers, and the fact that they take way more stupid chances than experienced drivers ever will. The problem is that teen drivers still think they are physically immortal and it shows in the way many of them drive their cars.

So what can you do to cut your teens car insurance down to size where they still have excellent coverage? Reduce coverage? Maybe, but not always, but here are a few ways to get cheaper car insurance for your teen driver…

• The first thing to do to get the cheapest car insurance is to get multiple car insurance quotes. Simple right? Well it is simple but you might be surprised to know that most drivers tend to stick with the same expensive insurance company year after year. You don’t need to do that because it is often like burning money and flushing it down the toilet. Get multiple insurance quotes using the same policy you have now as a comparison so you know you are talking about the same thing. After you choose and activate your new insurance policy, then cancel your old policy. Your old insurance company will pro-rate your policy based on the time you had already paid for and send you a check immediately.

• If your teen or young driver is under 25, then put them on your own car insurance policy.

• If you have your own business then perhaps your teenager could drive the “company car” to save money. Confirm with your insurance company that they won’t charge you more for a teenage driver when doing this. Most won’t.

• Driving to work and back home each day will raise your rates and that of your young driver. If your young driver doesn’t use the car for that reason then make sure you haven’t been charged extra for that from your insurance company.

• Assuming your teen driver lives at your house, then minimize their use of your car so they will be considered to be an occasional driver by the auto insurance.

• Auto insurance companies often give discounts on your policy if your teen or young driver has good grades in school.

• Put all your insurance for cars, homes, business, life, boats, RV’s, etc. with the same insurance company.

• If your car has air bags then check to see if your car insurance company will reduce your rates because some will.

• Some cars and trucks are more likely to be stolen than others. If you really want the cheapest car insurance, and your young driver is driving one of those, then just know that you are probably paying a premium.

• If your policy is covering you for things that are duplicated elsewhere (like emergency towing, car rental expense coverage, and medical coverage) then check those to make sure you aren’t paying for things that you’re already covered for from a different source. For example; you might already have emergency towing with your cell phone provider but are also paying for it again with your car insurance company.

• Many companies offer cheaper car insurance if you only drive 10 to 15 thousand miles per year. If thats the case with your young driver, then check to see if you can reduce your policy for that.