First, take a deep breath. Then get some good insurance for your new driver.

The best way to get car insurance is for a new driver to be added to an existing policy. Usually, someone in your household has a car insurance policy. Whether it's a parent, guardian, or grandparent, try to get the teen added as a driver to their policy. Being added as a driver on an existing policy will probably give the teen driver access to many more discounts. The first-time driver doesn't often own their home or own multiple cars and have them insured with the same company, however, their parents might. Those discounts will automatically encompass the teen driver if they are added as a driver on their policy.

Unfortunately, adding a teen driver to a parent’s policy typically increases the bill by 44 percent – and that’s just for a one-car family, according to data from Insurance.com. If you’re a two car-two family, adding a teen driver will increase your auto insurance quotes by an average of 58 percent, and a three-car family would be looking at an average increase of 62 percent.

Teen drivers are among the riskiest group of people to insure. According to the Centers for Disease Control and Prevention, drivers ages 15 to 19 are four times more likely to crash than older drivers, making car crashes the No. 1 cause of death for teens, sadly.

Even teens with clean accident records will face high car insurance rates for several years due to their lack of driving experience. At age 25, rates typically begin to decline, teen drivers have very little driving experience, so insurance companies charge a higher rate.

If your teen has a good grade point average in school, ask if your car insurance company offers a good student discount. If you’re adding a vehicle look for a car with safety features that can lead to low car insurance quotes, such as anti-lock brakes and anti-theft devices.

Your insurance company may also offer discounts if your teen takes certain driver-training classes or installs a monitoring device in the car. But the best way to hold rates down is to make sure your teen maintains a clean driving record.

If you or a family member has been injured in an accident caused by another person, it might be a good idea to consult an experience personal injury attorney. We will tenaciously represent you and work to get you the maximum amount you deserve. Please contact Kalfus & Nachman today by calling (855) 880-8163. We are proud to serve the communities of Norfolk, Newport News, and Roanoke, Virginia.