My three children are all in their early twenties, so I've just come through one of the most hair-raisng stages of my life - namely, the time of teaching youngsters how to drive, getting them their first car, and trying to find affordable car insurance for them...

Whew! I'm amazed - and glad - that we all made it through unscathed. Maybe you find yourself in a similar season of life, needing to help your teenaged driver navigate the perilous maze of early adulthood. If so, one of the questions you may have run into is, where can I find cheap car insurance for my young driver? This article will try to help.

First, understand that the cost of a premium for your youngster will be higher than what you and most other older Americans pay for their coverage. The insurance companies know that most accidents are caused by those with less experience behind the wheel. It's just a fact. That being said, you can still find low rates on auto insurance to fit your budget. One way to help keep costs down is to NOT buy your kid an obvious sports car or muscle car, or even a classic or antique. Those are all red flags for the top-rated insurance companies, especially when paired with an under-aged driver, so avoid them if you can.

Next, if the car your teenager is driving is old enough, you may be able to get away without having collision coverage on it, another big savings. Obviously, you want them in a safe car, but many older cars are still safe. Do your research, and shop diligently, and you should be able to buy your youngster an older car that won't break the bank, yet one that you're still comfortable letting them out of the house in.

Also, explore the possibility of adding your son or daughter onto your policy, instead of buying them a seperate policy of their own. This will save you a lot of money. What it means, though, is that their car will most likely need to be registered in your name. Check your state's motor vehicle regulations, especially if you live in California, Pennsylvania, New York, New Jersey, or Florida, all of which have some complicated rules.

Finally, one of the best ways to find discount auto insurance for a young driver, or anyone else for that matter, is to use one of many online resources to obtain a car insurance quote. Low rates are the norm when you do this, and you often can find really cheap coverage. The reason is simple... by spending just a few short minutes, you tap into many of the national firms with the highest ratings, like State Farm, Geico, AAA, USAA, General, Titan, Mercury, AARP, Progressive, and many more. Doing that on your own might take you hours, maybe even days. Here, you can do it quickly, with a few mouse clicks.

Hopefully, you now have a better idea of how to save big money on your son or daughter's car insurance. I wish you, and your young driver, all the best as you navigate the serpentine road to adulthood together.

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