If your teenager has just obtained his or her license and the new sense of freedom that goes with it, now you may be asking yourself how to get cheap auto insurance for your teen.The least expensive auto insurance for teens will not be found unless you read and do extensive research on car insurance.

Teenage driver’s insurance premiums will run higher than that of an adult, because teen drivers are considered to be more of a risk to insure for the providers, due to the teen’s lack of driving experience. There are a few things, however that you can do to help reduce the rates you pay for your teen drivers.

First of all, you need to stress to them how important it is for them to keep a clean driving record and this means driving safely – no speeding tickets, no traffic violations, and no accidents.A lower premium on their auto insurance will be an eventual reward of their safe driving.You can also reduce teen premiums by purchasing their auto insurance with a higher deductible; the higher the deductible is the lower the premium is going to be.

When purchasing a vehicle for your teenager, you should choose a well built one with extra safety features and be sure to check the vehicle’s rating class and do not choose one that falls into a sports class or high risk class.

Some provinces in Canada as well as most states in the USA now have in effect the graduated licensing laws. The rules will vary from one location to another location, however the basic idea behind them is to impose restrictions on new drivers and limit what their licenses will allow them to do.A driver may be issued a full auto license, such as a class 5 one, but there usually is a letter designation behind it to show that they are new drivers.

These new drivers have nighttime driving restrictions, vehicle occupant restrictions, and a 0 alcohol tolerance restriction and they will also be required to take an additional test after a specific period of time to remove them from the new driver status.

An insurance agency that specializes in providing teen auto insurance can issue a stand alone policy to reduce the cost of coverage for your teenager if you are still wondering where to find cheap auto insurance for them.If your teenager is issued a stand alone policy this means that they will not be an added driver on your insurance, but will be carrying their own policy.

The insurance companies who issue these policies, reduce their risk for insuring teens by placing certain concessions on the driving habits of them.They may require driving school, no driving after dark, or various other restrictions which allow them to keep the premiums lower for teen drivers.

The best thing you can do for your teenager and his or her insurance rates is to teach responsibility and make them earn the use of the car by being trustworthy and by helping to pay insurance costs.