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Picture it... Your son or daughter has just received his or her drivers license and you are now faced with the task of locating low car insurance to cover him/her bodily and protect you both financially.

Car insurance estimates can vary widely. One thing that is consistent is that car insurance for teenagers, unfortunately, is the most pricey and without some general guidelines you could end up paying a lot of money to keep your teenager driving and on the road. Most likely you'll want to keep reading for tips on how to locate low cost car insurance for teenagers.

We're going to face facts up front. Teenagers haven't had the required driving experience to be considered anything but a high risk by insurance companies. There are a couple of things that you can do to help reduce any car insurance qoutes you receive.

In this day and age, knowledge is power. And it's the duty of parents to pass on our knowledge to our offspring.

Driver Safety The single most important lesson you as a parent need to talk to your newly licensed teen is a keen regard for road safety. A lack of safety awareness is a contributing factor in many unnecessary accidents and deaths around the globe every year.

If you don't have the skills or the time to teach them yourself, then make sure you send them to a licensed driving school where they can learn from trained experts. Most high schools in the US offer their students a basic drivers ed and defensive driving school.

Clean Driving Record The driving record of you teenager will have the most influence on your car insurance price. If your teen has no traffic violation or accidents on their record, then the cost of the premium will decrease over time. If you would like to instill a sense of resposibility in your teen - make them pay all or part of the insurance premium. This will hurt them in their pocketbook if they get into any auto accidents.

Type of Vehicle The type of vehicle your teenager drives impacts the car insurance price also. The price difference between sports car insurance, collector car insurance and family car insurance varies significantly. Statistics show us that red cars are more prone to be involved in accidents than any other color of car. 2 door cars are considered by the industry to be sport cars and you would pay for sports car insurance - which is way more expensive than any other type. If your teen is driving a red 2 door car, then it may not be possible for you to find any type of low cost car insurance.

Safety Features Vehicles with high safety rating and numerous safety features will help you to find lower cost car liability insurance. Volvos are considered by many to be the most safe manufacturer of vehicles on the market today.

Deductables You will find that you can lower your car insurance price by opting for a larger deductable. With most insurance companies, the higher the deductable, the lower the monthly car insurance price. It also means that it will take a larger bill to get the insurance company to help you cover the costs of an accident. Make sure you aren't shooting yourself in the foot by getting too high of a deductable.

Discounts When searching for cheap auto insurance and getting car insurance qoutes from a car insurance broker, find out what kind of discounts are available for things like: drivers education credits, clean driving records, defensive driving coarses and multiple car policies. The competition in the discount auto insurance industry is very competitive. Some car insurance brokers and companies are eager to offer larger discounts to attract customers than others.

Buy Car Insurance Online The simplest way to find and select a company who offers low cost car insurance for teenagers is to get many car insurance estimates from a host of companys. You can either visit each company's website directly, visit a car insurance broker or a website that specializes in auto insurance comparisons. Esurance.com and Insurance.com are two sites that do auto insurance comparisons.

If you follow this simple advice, you will find that finding low cost car insurance for teenagers isn't all that hard. So you can watch your wallet and know your child is adequately covered for peace of mind.