Many parents avoid having their teenage son or daughter drive the family car because of the insurance requirements. And they have very good reasons to do so, because according to statistics, teenage drivers are four times more likely to get into driving accidents. More specifically, drivers between the age of 16 and 19.

And the fact that auto insurance for teens is some of the most costly around doesn’t help. This is because, while many teenagers can drive safely, they just don’t have enough driving or credit history to be in good standings with insurance companies. Fortunately, it is still possible to get affordable auto insurance for teens, just by following a few simple steps.

The fastest and easiest thing parents can do is to get their teenage son or daughter to join their policy. Parents can assign their child and their car to their policy, which not only gives the teen the parents’ discounts, but also saves good money.

Next, parents should get their kids safe, less-costly, and reliable cars. The lower the cost of the car, and the safer the car, the better for insurance companies. This results in lower insurance costs. A cheaper car results in affordable auto insurance quotes.

One thing to consider also is insurance for daughters. Female car insurance is often cheaper than standard car insurance, and has gender specific features, such as handbag coverage, female oriented customer support hotlines, and others.

Also, there are insurance companies that reward good grades from students. These companies can give anywhere between 10%-25% discount off the policy premium, as long as good grades are maintained regularly. This gives the student incentive to do well in school, and at the same time, save money.

Lastly, parents can just emotionally and psychologically support their child to help them be a good driver. Being a good driver, one that avoids traffic violations and misdemeanors, will will keep the driver’s record clean, which can drive costs down as time goes on.