New drivers are extremely naive for the first several years and everyone knows this. Years of statistics have shown the insurance companies that these new drivers have a much greater chance of getting into an accident and this has an unfortunate effect, it causes extremely high insurance premiums. If the teen's parents put them on their current insurance its going to increase by one to two thousands dollars a year. There is no way to stop this spike in prices but there are a few tactics that can lessen it. The following is a few tips that can help.

1- Ride with your young driver. This sounds strange but simply showing your teen how to drive safely can help them not get into an accident which will help your insurance not go up anymore.

2- Never buy your teen a sports car or an SUV. Both have higher insurance then your normal sedan. Sports cars have a higher top speed which some teens like to test, this can lead to a very bad crash which can severely damage the occupants of the car along with anything else it hits. SUVs are a lot heavier than smaller cars and are more difficult to control some times, also when an SUV is an accident it has the potential to do much more damage to its surroundings then a smaller vehicle.

3- If you're teen has a job ask them to pay for a small percentage of the insurance. If they want to drive they should be somewhat responsible for the fees.

4- Encourage your teens to get better grades. A student with a 3.0 GPA or better can have a 10% lower insurance premium then students with bad grades. This is by far the biggest help when it comes to lowering cost of teen insurance.

When your son or daughter turns 21 there insurance drops a pretty good amount and drop more after that. Remember the biggest thing that can help you is making sure your teen knows how to drive safely. Good Luck.

So, how much are you paying to much for your car insurance? Well the national average for the the previous year was around 850 dollars. If you are paying more then that you need to take another look at your insurance policy, if you are paying that or below then you can still possibly lower your fees by following the tricks and tips I'm going to show you. The following tips can help you lower your premiums but how much you save depends on your driving record and type of car.

1 - depending on the type of car you own you can ask for safety feature discounts. Does your car have side airbags or some other safety feature, if you do make sure you tell your insurance agency about those features. Most will ask but just to be safe make sure you comment about it.

2 - If you have a accident free record and your insurance company hasn't asked you about your past make sure to tell them you've never had an accident.

3 - This tip can save you hundreds, get your quotes online. Getting your quotes online can really be time saving. One, you can get many quotes in a short amount of time which lets you compare rates and two, some companies give discounts for online applications. If you are unaware of a place to find quotes online there is a good link at the bottom of this article.

These simple tricks can really lower your car insurance premiums.

Are you a parent worried about how much you are going to have to pay for you newly licensed teen? Well, your not alone thousands upon thousands of parents go through this every year. The high premiums that some along with teen drivers can be well over a thousand dollars and it is sometimes hard to drive those premiums down.

Even if you can't lower your auto insurance premiums you can prevent them from going up by making sure your young driver is really ready to drive. If there are no accidents in the "sensitive" period between the ages of 16 to 21 the premiums you pay will go down year after year.

You can make your son or daughter a better driver by setting a good example and being a responsible driver yourself, If all else fails there are a few tips that can slash a bit of the high premiums of teenage car insurance policies.

-Avoid buy your new driver a large SUV or a sports car, the premiums on these vehicles are very high due to their large size and high top speeds.

-Ask for your teen to pay for some of the fees. Your new driver will most likely not be able to pay all of the costs but they can help.

-Help you student get good grades, students with a 3.0 GPA actually get discounts, up to 10 percent in some cases. You can possible pay your teen for these good grades. Figure out how much you are going to save due to their good grades and reward them accordingly.

Follows these guidelines and you will save a little bit of money. Paying for your teen's car insurance is one of the many expenses that a lot of parents dread but have no fear, once they turn 21 the premiums drop considerably.

So, you are a new driver or a parent of one and you are concerned about the extreme prices that come along with new drivers insurance, well you aren't alone. Thousands of families go through this every year and although the prices are going to stay somewhat high for a few years you can slightly lower them and you CAN keep them from going up.

How do you keep them from going up? Well the easiest way to keep you premiums from raising is to teach your teen to be a safe and respectful driver. Parents can ride with there new drivers and make sure they know the procedures of driving. Keeping you new driver out of an accident will keep your premiums to a minimum so making sure your teen is safe it a HUGE part of keeping those cost down.

If your teen is a safe driver you can now focus on other ways of lowering that premium, the following is a list of things you can do to lower your premium. Some may not be possible in your situation, just try the ones you can do.

-- Choose a safe car, this seems like common sense but most parents over look it. If a teens first car is a large SUV or a small fast sports car you are going to get hit in the pocket. Why? Because these cars can cause a large amount of damage due to the size of the SUV and the extreme speeds of a sports car. So, stays away from the Big and Fast cars. The best car to get is a sedan packed with safety features.

-- How is your new driver doing in school? Did you know that teens with a 3.0 grade point average or higher has a 10% lower car insurance premium then students with bad grades? Its true. Encourage you student to do good in school and it'll help you with premium cost.

-- Sometimes if you add your teen to your auto insurance policy it will offset the high premiums try to look in to this by calling your insurance company.

-- Does your teen have a job? Well a tactic often used by parents is to ask there teens to help pay for some of the cost of insurance, this is a simple and affective way of spreading the prices a little bit.

-- If you are looking for a completely new insurance policy you should really search online. Getting car insurance quotes online helps you in many way. One, its quick, and two, you are many times more likely to get a good deal. The more quotes you get the more likely you are to find a gem. If you don't know a good site to get quotes there is a link at the bottom of this article.

If you are able to follow all of these tips then there is a good chance you could safe 20-30 percent and any bit helps when paying for a new driver. If you make it through the first few years you will see a significant drop in premiums over time. Good luck.