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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 most important thing you as a parent need to emphasize to your newly licensed young adult is a high regard for safety. Lack of safety awareness is the main cause of many unnecessary accidents and deaths around the world every single 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 your teen will have the most direct impact on your car insurance price. If your child reports no traffic violations or accidents, then the amount of the premium will decrease over time. Making your teen pay for all or part of the insurance premium will make them accountable for their own actions on the road.

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 reduce your car insurance price by opting for a higher deductable. In most cases the higher the deductable, the lower the monthly premium. It also means it will take more damage before the insurance company will start to pay out.

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 easiest way to whittle away higher quotes and zero in on a company who offers low cost car insurance for teenagers is to get quotes from more than one company and compare their car insurance qoutes. You can either visit each company's website directly, visit a car insurance broker or search on a website that specializes in auto insurance comparisons. Esurance.com and Insurance.com are two of the leading sites for 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.