The driving knowledge and habits of your young driver is also a factor to consider. But again, since insurance providers don't have enough data to support this fact yet, they would use your son or daughter's report card to assess their attitude on the road. Studies show that teenagers who perform well in school tend to become a more responsible driver that those who are getting low grades. And so teens who have a general weighted average of B or higher in school is given lower premiums that those whose grades are lower.

These are just some reasons why car insurance for teenagers gets a little expensive. Parents concerned about premiums can now look for some work around in the assessment process of providers. But then again, parents should be more concerned of their teenager's safety on the road rather than the amount they have to pay annually for the policy. Sal Farzin