Reduce your mileage: One of the things insurers will look at is how many miles you estimate you’ll be covering over the course of the year. The less you are out on the road, the less of a perceived risk you are. Therefore, being accurate with your estimate mileage will avoid overpaying for miles you won’t use. And if you can reduce this by using public transport or getting involved in a car share you may save money on your premium.
Now it is time to ask yourself if saving a little money per month by dropping your auto insurance is worth the risk. I suppose it’s also time to bring back the parachute analogy. Driving without insurance in Texas is a bit like jumping from a plane without a chute. If you do it, you are bound to crash. Proper coverage is an inexpensive way to protect yourself in case of unforeseen accidents.

Adding a 17-year-old male driver to an existing policy will add $2,593 more in auto insurance costs per year—increasing the average annual rate from $1,259 to $3,852. This saves $5,096 per year—a 66% reduction in auto insurance costs—compared to the cost of the same 17-year-old getting their own policy. Additionally, if parents happen to insure their car with GEICO, their teen will have access to GEICO family pricing. This is a program where a teen can—when they get their own policy—get a discounted rate due to the family being a part of GEICO.
Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which control coverage determinations. Such terms may vary by state, and exclusions may apply. Discounts may not be applied to all policy coverages.
In western states, Grange Insurance Association (not to be confused with Grange Insurance) typically offered some of the cheapest car insurance policies to young drivers. Grange operates in California, Idaho, Wyoming, Colorado, Washington and Oregon. In Oregon, young driver rates from Grange were about 75% less expensive than the state average. For those looking for car insurance in California, GEICO is also another cheap alternative.
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No matter what, car insurance is compulsory and you legally have to be covered. The government cracked down on uninsured drivers with the introduction of Continuous Insurance Enforcement (CIE) which states that every car, whether on or off the road, has to be covered. The only exception is if the car is declared off the road with a Statutory Off-Road Notification (SORN).

Car insurance rates have continued to climb in recent years, and 2019 will see the continuation of that trend. If you’re in the market for car insurance for new drivers, say teens, or car insurance for college students, that isn’t good news, as rates are super high for inexperienced motorists. But you’re in the right place to learn how to lower car insurance costs, even though finding cheap car insurance for young drivers is challenging, it’s not impossible.
In the small SUV category, the Outlander boasts safety features such as a rollover sensor, driver knee airbag, electronic stability control and airbags on the front and sides. With seven-passenger seating, front dual-zone climate control, a rearview camera and a 6-inch touchscreen display, the Outlander is built for young drivers who want to sit higher than in a sedan but still want a sleek ride.

As the parent or guardian of a young driver, you know it's essential to have good car insurance to protect them. Whether you're paying for it or they're working hard to foot the bill, it's a new expense for your family. Fortunately, you can find cheap car insurance for teens without breaking the bank. Here are the six ways to lower the cost of a young driver on your policy: 

State Farm’s discounts include those for good students, multiple automobiles, other products, and good driving habits (go at least three years without moving violations and no at-fault accidents). You can also take the Steer Clear course offered by State Farm to receive an even bigger discount. Defensive driving and less driving can also reduce your auto insurance premiums with State Farm.

1 The Banking Benefits – Deposit Introductory program offers a high yield fixed Introductory Rate during the first 12 statement cycles after opening a new Consumer Money Market Savings account with State Farm Bank. A new Consumer Money Market Savings account means you cannot have an existing Money Market Savings with the same ownership currently open or which closed within the last 12 months. Your Benefit account balance must remain below $5,000,000 to earn the Introductory Rate. If the account balance is $5,000,000 or above, you will earn the Standard Rate on your entire balance. The new Money Market Savings must be a Personal or Trust account. IRA Money Market, Estate, Uniform Transfer to Minors, and Business accounts are NOT eligible.

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