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Car insurance for young drivers: Tips and advice

July 4, 2008

One of the memories in life that you will no doubt never forget, will be passing your driving test. After months of studying braking distances and practicing three point turns all your hard work has finally paid off.

Despite passing the test, the battle for young drivers does not end there. Most auto insurance broker's generally assume the younger you are the more 'at risk' the person is and as a result car insurance for young driver can be substantially greater.

Even with road deaths and injuries falling by over a third since the mid 1990's the statistics support the assumptions of the car insurance brokers, with 20% of all accidents resulting from newly qualified drivers. But is it fair that a safe, young driver be made to pay for the actions of his peers?

Luckily we have created a number of young driver car insurance tips to help minimize any car insurance costs:

  1. The type of vehicle you purchase for your child will have a major effect on the insurance rate you pay. High performance cars and Sports Utility Vehicles should be avoided and a midrange, used car is best advised. You can view The top 10 most expensive car insurance quotes and use this list to decide which cars not to get!

  2. A number of auto insurance specialists have recently introduced incentives such as providing a discount for high school students who are able to maintain a GPA of 3 or higher. Check to see if your auto insurance broker offers such a discount as it might not only save you money but could also act as an incentive to get better grades!

  3. Another option allowing you to save hundreds of dollars is for children to become "occasional drivers" on their parents vehicles. The procedure for this requires the parent to call their car insurance company and add the vehicle to their existing policy. Most insurance companies and brokers offer a discount for having multiple cars on one policy and offer further discounts for multiple types of policies, such as home and travel insurance.

  4. The best advice for a young driver to save money on their auto insurance is simply to shop around using the Internet and various other sources. has introduced a service whereby you can input your information and Ontario Car insurance brokers will compete for your business, allowing you to get the best possible deal.

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