Question: My teenage daughter is about to get her license and, God forbid, I assume she would like to drive after she does. Is there a certain type of car insurance young drivers typically use?

Answer: The best insurance for young drivers is a lot of insurance. It is going to be expensive to insure your young driver regardless of how good a driver she is because the insurance company has no history to look at.

The insurer will assume the worst about your daughters ability to operate a car because the statistics show that she is more likely to be in an accident than older drivers.

A few things you can do to minimize the cost are:

• Make sure the car has automatic safety restraints
• Have her take a driver safety class
• If she has good grades find a company that will offer a discount based on that
• Put her on your policy instead of buying a separate policy

Building a safe driving history is similar to building a good credit history; it’s easier to do when you are young. Advise your daughter that by driving safely now she will be saving money for herself in the future.

Car insurance for young drivers is a difficult path to navigate and we wish you luck in finding insurance for your daughter.