Young drivers have notoriously high insurance rates because, well, no matter how safe an individual is, the age group has higher accident rates due mostly to a lack of driving experience.

That doesn’t mean you’re condemned to pay higher rates, however, as some insurance companies reward young drivers with discounts for being accident-free and a good student. There also are safe driver programs that teens can participate in to earn lower rates. Contact your insurance agent for more information on similar programs.

The Cars.com Young Driver’s Guide outlines tips for young drivers, including insurance advice. Below you’ll find tips on automotive insurance discounts from the article, “Insurance Rates and Discounts.”

Discounts to Request

Looking for ways to cut your insurance premium? Here are some of the discounts for which you may qualify now or in the near future:

• Anti-theft device: For the most effective security devices — especially engine cutoff switches that keep the car from running unless precisely the right key is used — companies often discount comprehensive coverage by 10 percent. Check with your insurer for other anti-theft discounts.
• Combined policy: The company that provides your homeowners' or renter's insurance may grant a 10 to 15 percent break on your auto insurance.
• Driver's education: If you've taken a high school or private driver's education course, you could have your premiums cut by 5 to 10 percent. A student with a good academic record also may qualify for a discount.
• Good credit rating: Insurers have come to believe that drivers with a good credit rating overall are also good insurance risks. You can't apply for this discount directly; your credit standing may well be factored into your original rate quotation.
• Grades and membership: You must maintain a B average or be on the dean's list to qualify for a good student discount. Individual policies will vary; check with your insurance agent.
• Safe driver: If you've had no moving violations or accidents in the past three years, you may be able to cut your premiums by as much as 40 percent. This is especially true if you have access to direct-selling companies such as Amica and GEICO, which only accept such drivers.

Learn more

• Young Drivers Guide (Cars.com)
• Insurance Rates and Discounts (Cars.com)