If you are insuring a teen driver, you know that teen drivers cost more to insure than a most older drivers, everything else being equal. Actually, teen drivers are more expensive to insure than almost any other driving group. Why are the so expansive? It is all in the numbers; statistically, teen aged drivers have higher numbers than other groups in terms of accident rates, injuries, and fatalities.

Actuaries at any insurance companies recommend that policies be priced accordingly because their company has to pay the claims against any of their insured. On one hand, they want the business, because the auto insurance business is very competitive, and a young driver that becomes a customer now may well stay with the company for their entire life.

That can't change the fact that however badly they want a lifetime revenue stream, their chances of paying on a claim because of young mr or miss are much greater. That means one thing to the software used to set the insurance rates; said rates have to be higher to offset the increased risk level.

Here are some easy ways to help make sure you get what passes for cheap auto insurance for your teen.

Choose the proper car - This is a biggie for a couple reasons. Cars a re priced differently by insurance companies due to factors such as engine size, theft probability, safety features and rating, and price. Check with your insurance agent before you buy a car. For example, a 2007 Corvette can cost around $5,000 a year to insure in California, while a 1997 Buick Regal will cost about 1/5 that much or even less.

Keep deductibles high and coverage low (a great reason to buy an inexpensive car) - There is no reason to keep your deductible low, because you do not want to file a claim for minor damage to your vehicle anyway, lest your rates increase even further. Set your deductibles as high as possible, typically about $1,000, and you'll pay less for your insurance.

You should also keep your comprehensive and collision coverage low on your car. That is another reason to drive a fairly cheap car. You or your teen can have low or even nonexistent collision coverage. If the vehicle is financed however, the lender will demand collision coverage.

Be careful about taking your coverage too low on medical and liability, though. You could be inviting bankruptcy or a serious financial problem if your teen is involved in a crash with serious injuries or expensive vehicles.

Take advantage of any possible multi line discounts - Insurance companies traditionally offer discounts for having different kinds of insurance with them, For example if you insure a motorcycle with a particular company, insuring your car with them will likely mean that you'll pay less for both the motorcycle insurance and the car insurance than you would if you purchased either policy by itself.

Compare rates among different companies - Different companies view different risk factors differently and different companies have different expense and business structures. That means no tow companies will have the same rates. What's more, companies will have different rates in every situation. That means just because company A is cheaper than company B for a particular driver driving a particular car in a particular city, that doesn't mean they will automatically be less expensive for a different driver in a different set of circumstances.

Complete a safe / defensive driving course - Many insurers will grant discounts for young drivers that have completed defensive driving courses. Note that that does not mean you'll pay lower rates because you spent the weekend at Skip Barbour or went through the Richard Petty Experience the last time you were in Vegas.

Pay your premiums either bi-annually or annually - Most insurance companies have discounts if you pay a whole year's premium in advance. At the very least you should save the fee many charge when you pay monthly. Investigate the possibility of getting a discount for having the premiums automatically deducted from your checking account.

These are all excellent ways to get cheap car insurance for your teen driver. Make good choices on the road and before you set out on any journey. Your insurance rates will be lower because of it.

Discover strategies that will save you even more money when getting insurance for any teen aged driver, There is no excuse not to save money, if you know what to do. Find out now at the Cheap Car Insurance for a Young Driver [http://www.cheap-car-insure.com/young-drivers/cheap-car-insurance-for-a-young-driver-how-to-get-it.php] Insider's Strategy Guide.