When you have a teenage driver in your house, affordable auto insurance can seem impossible. In fact, when a teenager takes the wheel, most households can anticipate an average $2,000 per year increase to their policy, whether they purchased an online auto insurance policy or not. But do not despair. There are measures that you can take, which will help make affordable auto insurance a reality for any family.

Get Good Grades
Young drivers can help their parents keep car insurance quotes low by making good grades in school. Teenagers who earn high marks in school can qualify for discounts with many online auto insurance companies. Reason being, good grades demonstrate responsibility – one of the factors that online auto insurance companies look at when generating a car insurance quote. Keep in mind, online auto insurance companies will knock off up to 15 percent of their annual rate subject to this kind of discount.

Drivers’ Ed
Most schools these days offer drivers’ education, which teenagers who are of age to drive may take as an actual class during their school day. And, in many cases, these drivers’ ed courses do not cost families an out-of-pocket expense. Requiring your young-driver to take such a class can help you to find affordable auto insurance, and while the savings varies from state-to-state, the lessons that drivers learn from a formal drivers’ education class will undoubtedly save much more than money.

Obey Curfews
Requiring your teenage driver to adhere to curfews will keep him or her safe, and in effect keep your online car insurance premiums low. Keeping young drivers off of the road during the most statistically dangerous hours (10pm–6am) is worthwhile for a number of reasons. Driving during these hours is much less safe due to factors such as poor visibility, sleepiness and other drivers who are experiencing the same influences. Furthermore, the number of accidents that occur during these hours due to driving under the influence is exponentially higher.

Find A Satisfactory Vehicle
Your chance at finding affordable auto insurance rates is affected by the type of vehicle you drive – whether you are a young driver or not. Many online auto insurance companies provide discounts based on the type vehicle you drive. Keep in mind while new and higher-end vehicles can cause your online auto insurance quotes to rise substantially, dilapidated, compact cars also have negative effects on your chance at finding affordable auto insurance. Find a vehicle that strikes a good balance between safety and cost – it will save you money over the long term.