First and foremost, the teen needs to listen to you and your rules, but you also need to listen to your kid’s concerns as well. There will be some rules that can be compromised by both parent and teen, but don’t be afraid to set definite rules about driving because “driving is a privilege, not a right.” Following the laws of the land and the rules of your home will help your young driver grasp a better understanding of the importance of driving safely.

Keep your driving record clean by not getting into accidents or receiving tickets. Knowing the laws and following your parent’s rules may help you avoid these nasty situations that will make your insurance price skyrocket. Remember that it takes time for these flaws to be erased from your record, so your cost of insurance will be high for as long as they stay there. It’s best to not get any negative marks or points on your record in the first place.

Get good grades. You might not see a link between your grades and your ability to drive, but your insurance company does. They believe students who perform well in a high stress situation, such as taking an exam or writing essays, will also perform well in other high stress situations, such as on the road driving the freeways. Students who can show their report card having a “B” average or better will see the privilege of cheaper insurance rates. Some insurers will require that student already have 3 years of driving experience first, while others don’t have this requirement.

Pay for all or some of your insurance. By offering to help pay to be insured, you will gain responsibility and help your parents save their own money. This may also help you drive safer since you’d be the one to pay for any hikes in the premium cost due to any accidents or tickets you receive.

Just like for experienced drivers, the cost to insure a young driver depends heavily upon certain factors. The gender of the driver is huge when it comes to premiums; young male drivers pay more than young female drivers do.

This is not due to any prejudice, it’s simply because statistics prove that young male drivers have always been involved in more traffic incidents than young female drivers. The location of the vehicle the teen is driving also plays a role in determining the premium. While sometimes this factor can be changed, most often it cannot. If the car dwells in an area marked with high crime activity, you’ll be paying more for insurance.

While there’s not much a policyholder can do about having a young male driver and the town they live in, there are some things both the

The expense of insuring a teenage driver is no joke; it really can break your bank if you are not careful. Young drivers obviously lack experience in driving and insurance providers are not lenient on the price of giving them coverage. They know these kids can often be persuaded into careless driving by their passenger peers by turning the radio loud, engaging in noisy conversations, talking (or heaven forbid, texting) on the cell phone and thinking these things are innocent fun. But more experienced drivers know that any kind of careless driving leads to accidents, which is why the insurance companies charge higher rates for teens.

Of course, these high premium charges can be decreased when the policyholder is dealing with the right insurer and knows what to look for and expect. While insurance for a 17 year old isn’t going to compare with insurance for a 30 year old in cost, there are ways to get the company to scale back the price some for your teen driver, which could leave you possibly paying less than his friends do. Some ways to get cheap insurance for young drivers include being involved in your young driver’s life by setting ground rules to eventually see lower rates, while other ways will require your sole attention and careful planning. Then there are some factors that determine their rates that are merely circumstantial and can’t be altered.

Land Rover is recalling nearly 66k Range Rovers and LR4s in two separate campaigns. One is for the doors unexpectedly unlatching, and the other covers the panoramic sunroof leaking or potentially falling off.

Non-Smokers Save 10% on Homeowners Insurance

If you are looking for just one more reason to quit smoking this year, think about the savings. Aside from the rising costs of tobacco products across the country, keep in mind that you may also be eligible for a non-smokers discount which can save homeowners up to 10% off their homeowners premium.

Are in-car tech and distraction-free driving mutually exclusive? On the one hand, we have automakers, who give a resounding “no,” with at least one spokesman pointing out that in-car tech is the lesser of two evils.

“If you don’t provide something that is useful, people will just use their smartphones, and we all know that’s the biggest driver distraction there is,” Audi spokesman Mark Dahncke told Reuters. That said, automakers make a lot of money every time someone ticks an option box for a $2,000 navigation/infotainment system, so we shouldn’t expect automakers to go along with what safety advocates like Joe Simitian say.

“I think they [the screens] raise serious public safety questions,” Simitian, a former legislator who led California’s push to ban cell phones while driving, told Reuters. That point of view is supported by at least one academic.

“You can’t be looking at a screen and be looking at the road at the same time,” said David Strayer, a professor of cognition and neural science at the University of Utah. These screens “are enabling activities that take your eyes off the road for longer than most safety advocates would say is safe.”

How much coverage did your friend purchase? Purchasing only the state minimum requirements will definitely get you the cheapest rates, but it may not be the coverage you desire. Your friend may have only purchased this minimal amount while you are carrying full coverage. Cheaper insurance in terms of how much coverage is purchased may backfire if there is ever a major accident. Usually minimal coverage will not cover the expenses involved in a major accident, especially if you are at fault. There are medical bills and property repairs (possibly of both parties) that would need to be taken care of. Some states only require drivers to purchase $10,000 of property damage, but the total cash value of some of the cars on the road today are far more than that amount. However, the final decision of coverage purchased is decided by the policyholder, usually according to their budget.

Don’t get in the habit of comparing your car insurance policy to someone else’s policy, especially when all of these factors between the two policyholders are different. The only comparing that should be done is by insurer to insurer for the policy you want to purchase. Who offers the lowest price for the coverage YOU want? Check out our comparison tool on our homepage or at the top of almost any page on our site by entering in your local zip code. We pride ourselves on our ability to get any driver the cheapest car insurance in town.

What kind of car does your friend drive in comparison to you? And how often does she drive it? Your vehicle information plays another role in the ability to get cheap insurance. An expensive car will be more expensive to insure, while a modest car may not be quite so much. This is because a luxury car also costs more for the insurance company to repair or replace. Cars with safety features will be qualified for discounts, compared to cars that are too old and weren’t equipped with the latest safety features.

The second part to this truth is the number of miles put on the car during the calendar year. Think about the relationship between traveling a high number of miles and accidents. The more a driver is on the road, the higher the chances of being involved in traffic incidents. Therefore, it costs the driver less to insure a vehicle that doesn’t drive very often.

Do you live in the same Zip Code as  your friend? If so, then you will have that same thing going for you. If you are not neighbors and live in another town, there is a good chance that this will affect your ability to find a cheap rate. Insurance companies use your residential dwellings as part of their process to determine your rate. Living in a town or city with high crime will only get you high rates, and if your friend lives in a low crime area, then you can be sure that this attributed to her low rate.