The American auto insurance system is set up to favor experienced drivers. Over the years, it has become clear that younger, less experienced drivers are liable to be involved in accidents at higher rates than their older and more seasoned counterparts. This is due both to inexperience and poor decision-making. In fact, many insurance companies and safe-driving advocates argue that the national driving age should be raised to 18. These interest groups have succeeded in passing graduated-licensing laws in many states. Most of these laws prevent teenage drivers from staying out late at night or driving with more than one or two passengers in their vehicles.
If you're the parent of a teenage driver, you may be wondering where to find cheap insurance for your child. Fortunately, it's easy to procure multiple quotes from a wide range of providers in a short period of time using an online quote-aggregator website. Although these quotes are typically less accurate than the estimates that you'll receive from a qualified agent or direct-insurance provider, they'll give you a quick snapshot of the insurance market in your area. After all, insurance costs vary considerably from state to state.
Alternatively, you could take the time to visit major insurers' websites and enter the demographic and driving-history information necessary to procure an accurate quote. You should expect this process to take about 15 minutes for each quote that you request. However, the figure that you receive from each insurer will represent the actual price that you can expect to pay should you choose to purchase a policy from that provider.
It's important to note that this quote-finding process can have some unintended consequences. In particular, you'll begin receiving periodic "reminder" e-mails once you've provided an insurance company with your personal information. If you leave your online quote-request form unfinished, you'll receive a daily e-mail asking you to finish your application. If you obtain your quote but choose not to purchase a policy, you'll receive a similar e-mail that touts the benefits of auto insurance and asks you to reconsider your decision.
To avoid receiving these e-mails, you'll need to opt out of all further e-mail communications. Since this can be inconvenient and time-consuming, your best bet may be to avoid signing your child up for an insurance policy at all. You'll save a great deal of money by adding your 18-year-old female driver to your existing insurance policy as an "occasional driver."