If you are looking for cheap car insurance for young drivers, you are going to be looking for a long time because it simply doesn't exist. Young drivers or teenagers carry with them a lot of risk because they are a lot more prone to accidents than adults. In fact, the number one cause of death for teenagers is an auto accident. This extra risk is passed onto young adults in the form of higher premiums. Although high premiums are inevitable, there are ways to lower the total cost

Make sure that your son or daughter is written down under your policy. Because you have assets and an income you are seen as more stable and less of a "risk" to insurance companies. You can pass on this decreased risk to your kids.

Try increasing the deductible. Yes, this is very common advice if you want to save on any type of insurance. But because insurance for young drivers is so expensive, the savings from a high deductible are appreciated much more. A deductible is the amount of money that you pay in an at-fault accident before the insurance company comes in and pays the rest.

Young persons can get a discount on their auto insurance if they take driver's ed on their route to a license, a defensive driving course, and/or graduated driver licensing programs. With some of these programs you can take just one short class and see your premium go down by as much as 10%.

Make the teenager drive an inexpensive car. Although many parents want their kids to have big and expensive cars with all the safety features, it's not like you can't get a safe and low-priced car. If you have a discounted car you can also afford to increase the deductible on your automobile because if the economical car gets damaged, it's not that big of a deal. You can also save a lot of money by cutting either your collision and/or comprehensive coverage if the car is cheap enough. Liability coverage alone is going to cost a lot for your teenager (in the neighborhood of $200). Making them drive an expensive car will not help one bit.

If you have more than one car on your policy, make sure that the teenager is assigned to the cheapest car. Some auto insurance companies will not allow for this to happen however.

Make sure that your kids get good grades. You can expect to receive a 10% discount on the kid's premium if he or she has a good GPA.

Give the insurance company some specifics as to where the teenager will take the car and approximately how many miles they'll go each day.

If the young driver makes the car get some minor damage, don't report it to the insurance company as there is a good chance that his or her premiums will skyrocket.

Consider getting some sort of monitoring device installed on the young driver's vehicle. You can find out how fast your son or daughter was going and/or their whereabouts. Although some insurance companies will give you a discount for installing such a device, the main benefit from having such a device is that it will force your kids to slow down.

Some insurance companies specialize in insuring young people. Consider getting quotes from them.

One of the best ways to save money on young people car insurance is by shopping around , as some companies are more lenient than others on teens. You can use the services of a local independent car insurance agent as they have access to multiple companies and may find you a good deal. Once you get your teen insured with a company, by using the aforementioned techniques, you can shave off almost half of the cost of the premium within a year!

Although you want car insurance for teenagers now, you'll find that, over time, the premiums on your kid's insurance will go down. In the end, the best way to save money on car insurance for young people is to make sure that safe driving habits are encouraged. Be a role model for your kids by driving slow and non-aggressively. A lot of teenagers get cocky behind the wheel and think that they are invincible. Try to bring them down to earth. You may just get affordable car insurance for young adults if your force them to slow down.