As with most states, Nevada requires anyone driving on its roads to have car insurance.  This includes teenagers.  Unfortunately, teenagers sometimes have some difficulty scoring low premiums for good policies, because it is often assumed that a teenager is more likely than an older person to drive recklessly, or while under the influence of alcohol.

An insurance agent can be very helpful in finding a discount.  If you are going to ask for an agent’s help, start your inquiries early.  Ask relatives or experienced, reliable friends to recommend a good agent for you.  Then have that agent start the process of finding you a good provider while you are still completing your drivers’ training.  This way, you can have a good policy lined up (or at least have a narrowed-down list ready) by the time you are ready to hit the road.

However, if you would prefer not to get an agent, there are many things you can do to lower your premium.  Firstly, it helps to have good grades.  Why?  Many vehicle insurance providers assume that a person who does well in his or her classes is less likely to drive recklessly.  Stereotyping?  Perhaps.  After all, a book-smart person can turn out to be a very unskilled or downright dangerous driver.  Still, this generalization on the part of insurance companies can serve as added incentive to hit the books. 

Let us say you manage to convince your insurance provider that you are a relatively safe driver.  Now, you must actually make good on this favorable impression.  As a brand-new driver, your record is clean, and you should do your best to keep it that way.  Your insurance premium can actually get better (i.e. lower) as time goes by.  The longer you go without incurring a driving violation or getting into an accident, the better you look to your auto insurance company.

The type of car you drive is also an important factor.  If you are trying to hunt for premium discounts, your worst choice is a sports car.  These cars, because of their speed and high horsepower, are very difficult to control, and can present a huge risk when driven by a relatively inexperienced person.  They are also very popular with thieves.  A less glamorous option is advisable.  You might want to choose a heavier car that is easier to control (in this case, inertia can be a good thing).  Also, try to avoid cars with high theft rates, like certain model of the Honda Civic or Toyota Camry.

You might also want to consider having a family insurance policy.  If your parents are paying for your insurance, you could be saving them money by not getting an individual car insurance policy.  If you are paying for your own car insurance somehow, you could save your own money by paying a part of the family’s vehicle insurance premium.  Even so, some family plans can be very expensive, and for many teenagers, it is still more efficient to get an individual auto insurance policy.