As a young driver, car insurance is the last thing on your mind. You're totally stoked to finally get your driver's license and FREEDOM!! You're ready to hit the road when all of a sudden--WHAM! Your mom goes totally ballistic after looking into the cost of car insurance for young drivers. But you'd flip out too if you saw how expensive car insurance can be for young drivers.

If you're pulling your hair out trying to find cheap car insurance for young drivers, don’t worry--we're going to teach you a whole bunch of different ways you can find an affordable policy.

Get the 411 on Young Driver Insurance

If you're young, car insurance is a big part of your budget; if your parents pay for your insurance, you're probably trying to keep them happy so they don't pull the plug on your car insurance. And that's where this article can be a major help.

The fact that you’re going to help your parents save a bundle on car insurance will get you big time brownie points, and it may be enough to get your mom off the ledge and put yourself behind the wheel with a young car insurance policy that doesn't cost a fortune.

Why is Car Insurance for Young Drivers So Darned Expensive?

Finding affordable car insurance for young drivers isn't easy, and the reason is because most young drivers are wrecking and piling up speeding tickets left and right, ruining it for the rest of us. In fact, going by the numbers, teens are the most dangerous drivers on the road. So landing a deal on a young car insurance policy is all about proving you’re safer than all those other pesky youngsters on the road.

Need Cheap Car Insurance for Young Drivers? Get Good Grades!

For a young driver, insurance is a big hassle--you only get it because it's required by law. But whether you or your parents are footing the bill, you need to make your policy affordable, and here's one way to do it: get good grades!

Yep, getting good grades will actually get you up to a 20% discount on car insurance! And you don’t need to be a valedictorian to qualify. If you’re scoring at least a “B” average (3.0 GPA) you’re all set. Just make sure you ask for the “Good Student” discount when getting a quote from the young car insurance company.

That's right. It turns out that a bunch of scientists sat around crunching numbers and figured out that teens that get good grades are better drivers. Be sure to mention your good grades to your mom when she is stressing about you driving to a party Friday night.

Not a Valedictorian? Young Driver Insurance Can Still be Cheap

If you’re not doing so hot in school, don’t worry. There are other ways to prevent your dad from popping a blood vessel when he realizes how much car insurance for young drivers will cost.

For starters, take an approved driver’s education course. Driving courses can cut young car insurance rates by 15%, according to the Insurance Information Institute. But before you enroll in an expensive class, ask your insurer if your high school driver’s education course is acceptable.

Helping Young Car Insurance Buyers Choose the Right Set of Wheels

If you’re buying a new ride, avoid the sport model (I know it's a bummer but you'll be bankin’ big bucks that you can spend on other stuff). Also, young car insurance buyers should seriously consider purchasing a used vehicle. Older cars are worth less and usually don't need as much insurance coverage, making them wayyyy cheaper to insure than new vehicles. Plus you won't be stuck with a pricey new car payment for the next half decade. We're talking Benjamins here!

Young Driver Insurance 101 - $afety = $avings

If you're getting a new car, make sure it’s jam packed with as many safety features as possible. Side curtain air bags, anti-lock brakes, electronic stability control--the works. Safety features will help you load up on car insurance discounts ($avings) and keep you safe on the road ($afety).

If you’re not getting a car of your own, it’s still important to think about car insurance when choosing which of your parents’ cars you’re going to drive. Young car insurance buyers should check with their insurer to see if their parents can add them to their policy on a specific vehicle. And keep in mind that a young driver insurance policy will cost a ton less if you drive dad's minivan instead of mom's sexy Corvette.

For Young Drivers, Insurance Deductibles Should Be High

Here's a rule of thumb for young drivers and car insurance: the higher your deductible, the lower your premium. You may want to pump up your car insurance deductible (the amount of money they have to shell out before the insurer pays for any damages). Raising your deductible from $250 to $1,000 can save you a fortune on your premium, but make sure you stash away enough cash to pay the deductible if you need to file a claim.

If you Want Cheap Car Insurance for Young Drivers, you Gotta Shop Around

Listen up everyone: If you want to save major moolah on car insurance, you gotta compare car insurance quotes from a whole bunch of different companies. A young driver can save hundreds of dollars per year on car insurance just by looking for a cheaper rate with a different insurer.

Using a free insurance comparison site like InsuranceRates.com , you can view a ton of different car insurance rates and choose the cheapest policy, and that keeps money in your pocket. Finding cheap car insurance for young drivers has never been simpler.

There you have it! Young car insurance buyers, follow our expert money-saving tips and you’ll be all set! Car insurance for young drivers can be affordable if you get your folks informed about ways to save, and you’ll be hittin’ the road in no time with the most affordable young car insurance available.