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Teenage drivers are usually considered to be reckless drivers. According to the data provided by Insurance Institute for Highway Safety, teenage drivers aged below 16 years get into accidents more often than drivers aged between 30 and 59. Hence, teenage drivers are required to shell down huge amounts towards insurance coverage costs. However, there are certain strategies that could help in pulling down the premium amounts.

The most important strategy for getting a low insurance quote is to have proper driving record. Parents should ensure that their child�s driving record is safe and devoid of any mishap. Several States have certain restrictions that apply to drivers who are in their teens or those who are new to driving. It is the responsibility of the parents to get their children acquainted with all the laws connected to driving. Insurance companies often provide incentives to teenagers equipped with a genuine driving certificate from Driving Standards Agency (DSA). This can be done by getting enrolled into a good driver education course.

Children always tend to follow the habits of their parents as they consider them as their best examples. Parents should restrain themselves from breaking speed limits, irregular driving and shouting at others. Another innovative strategy to improve the driving habits and reduce insurance premiums for teenagers is to rate them depending on his driving abilities and academic performance. There are certain insurance companies that encourage this strategy. If the child gets GPA of 3.0 or above, it could be passed on to the insurance company. Depending on these grades, insurance premiums could be reduced up to 10 percent.

Apart from this, parents also have the option of listing the child on their personal auto insurance policy as an additional driver.