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Step 1
When you are shopping for car insurance for young student drivers, you will find that prices are generally high. This is because they are new drivers, and because insurance records show that drivers within the range of 18 to 25 years have the most accidents. This is especially true for boys, as you'll find rates are a little less expensive for girls. If you have a young driver in the family, make sure the car they drive is one that falls into the category of cars that is inexpensive to insure, as this can save money on insurance.
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Step 2
The first place to start when trying to get car insurance for young student drivers is your family insurance agent, to see what kind of rate you can get by putting them on your family auto insurance policy. Make sure to ask about any good student discounts that might factor in, and if the student has taken any defensive driving classes, this might also lower their insurance rates. There are also discounts that are usually available for those who don't drive a lot of miles, so ask about this as well. You should also get quotes for a separate car insurance policy for the student, just to compare.
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Step 3
After you have a quote from your family insurance agent, go online and search for "young car insurance", or "insurance for students" or "insurance for student drivers". Check out some of the sites, and see if they offer online quote services.
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Step 4
If you find any online quotes that end up being less expensive car insurance for young students and beginning drivers, then call their customer service department, and talk in person with one of their insurance representatives. Many insurance companies let you purchase car insurance completely through online methods, but it can be best, especially with insurance for young drivers, to talk to an agent directly. Although in all likelihood, you may not find any rates that are cheaper than what your family insurance agent can give you, if you put the student on your family policy. In fact, some insurance companies will only insure a student driver if they are on their parents' insurance policy. It pays to shop around, though.
