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Parents looking for young car insurance coverage for a new driver in the family often feel there is nothing they can do to bring those high rates down a bit. Unfortunately, car insurance for young or new drivers is simply more expensive because they have so little driving experience. To insurance companies a lack of experience means a greater risk of accidents that may result in claims. Contrary to what the common notions might be, there are some things that families can do to reduce the high costs of young car insurance coverage. Consider these pointers before you go insurance shopping.

Although it may seem like a costly investment, driver education for a young driver will be well worth the expense. To begin with, your teen will learn responsible and safe driving habits which will greatly increase your peace of mind, but it will also repay you in cost savings when you buy your car insurance. Young drivers who have taken and passed a driving education course will usually receive a substantial discount on the yearly premium.

Discounts for good grades are also available from some car insurance companies. You will have to provide proof of consistent good grades. The premise is that obtaining and maintaining good grades is a sign of responsibility that would also carry over to responsible driving.

There may be a savings on your young car insurance if you put your teen as the primary driver, or perhaps even the sole driver on the old family car instead of the new family van. If you simply insure your teen on the family car the high repair costs for that car plus the high cost of young car insurance coverage will combine to create a very high yearly premium.

Most important of all, be sure to shop around and compare young car insurance quotes from several companies before making any final decision.