If you have already started gathering quotes for your daughter or son’s car insurance, you are now aware that they typically receive higher premiums. That’s because various road accident reports are related to teen drivers. In fact, Insurance Institute for Highway Safety said that sixteen year-old drivers get into accidents almost six times more often than drivers between the ages of thirty and fifty-nine. Nevertheless, there are some ways on how you can lower your child’s car insurance premium. Read and take note of the following pointers below:

* Sign up your teen into a quality driving school where they can get a tutorial and learn the importance of safe driving. Most insurance companies offer discounts for teens with a certificate from a recognized drivers’ education program.

* Spend time with your teenage son or daughter and teach them about responsible driving. Maintaining a clean driver’s record will help you get a lower premium.

* Encourage your teen to do extremely well in school. Studies show that teens who display discipline and hard work in the classroom are much less likely to get into accidents. Thus, insurance companies offer discounts to teen drivers who have a grade point average of 3.0 or higher.

* Stay away from cars or trucks with big V-8s or turbocharged engines. It may seem like a good idea for the experienced driver, but are more likely to induce speeding and unsafe driving for your teen.

* Insure your child under your policy. Obviously, you will pay much higher rates if your teen has their own policy.