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Purchase a car which is considered "low profile." These are cars that aren't high on the list of the most commonly burglarized and stolen vehicles. (If you already have a "high profile" car, pay attention to the next two tips!)

Lower your coverage. Insurance agents secretly admit that people usually get sued according to policy limits. You'll be sued for more if your limit is a million than if it's a hundred thousand. A judgment beyond the policy limits is a scary thought, but this can happen no matter what your limits are. If you don't have many assets or much money in the bank, consider lowering your coverage to save money. Get quotes first, of course, to see how much you'll save.

Has your teen driver taken a driver education course in school, as well as encourage your teen to make good grades. Many car insurance companies offer discounts to those teen drivers who have taken driver education courses and make fairly high grades.

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Even the maker of the car can determine how much you pay for the insurance of the car. Attractive and expensive cars are more theft prone and hence make the car insurance expensive. The inherent nature of the car and the likely profile of the user can also determine the insurance amount. Volvo, a symbol of safety, is likely to be driven responsibly but a Mustang is likely to be driven by a less cautious driver. Therefore, if you are planning to buy a car in the near future, spare a thought about the insurance front too, since a low-profile car can have a lower insurance cost.

If you have membership in any school or professional organizations, let your insurance company know. Some insurance companies offer significant discounts for membership of various alumni, fraternity and student associations; for example, the Golden Key National Honor Society.

There are some other steps you can take to lower insurance premiums for your teenage driver. Try to include them on your own car insurance policy rather than take out a separate policy for them; this way any discount or saving applicable to you will also cover them. Driver education classes for your teen are a good idea as well - most insurance companies offer a discount for completing recognized driving courses.

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