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Car insurance for young drivers is a nightmare and if you ask an insurance company they would never do it if it's not for the sake of their business. There is every chance that a young driver will get more involved with accidents than an older driver. This also affects the cost of premium and the insurance for young drivers cost more.
Though auto insurance for younger drivers is not cheap, you can find a cheap insurance if you plan it well. The planning means that you need to do certain things before your kids reach the age of the maturity for personal insurance.
One thing that can help a lot at the time of personal insurance for your kids is that you should get those co-insured while you are purchasing car insurance for yourself. This will help them to share the good will and they will have a good goodwill at the time they need to purchase personal car insurance for themselves.
A formal driving training from a reliable school which has a good repute will also add up to the score at the time of car insurance. You can teach them driving yourself, but that will not add to the score and there will be no benefit in terms of lowering the cost of car insurance.
Good grades at the car driving school will also add up to the points. Ask them to keep at least grade B through out the course. This is generally liked by the insurance companies and they will reward you for this. This way you will prove your credibility and in return they will lower your cost for the car insurance.
Remember that different car models and makes have different value with the auto insurance companies. Generally cheaper cars cost less at the time of insurance and the cars that are rare or are costly will cost you higher for the premium. So get your kid a cheaper car when he buys his first insurance and he can then upgrade later. This will greatly help to reduce the insurance money.
Occasionally ride with your kids to teach them something good about driving. If you do not ride with them, they will only gain from the schooling at driving school but you will transfer the experience and this will help them in the long run. Also make sure that you yourself drive safe so that they imitate the right thing.
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Source: http://ezinearticles.com/?Car-Insurance-For-Young-Drivers&id=2642753
