With regard to young drivers, your cost will usually double if your child is rated on a vehicle that requires comprehensive and collision coverage. You’ll save money if you keep your young driver in a vehicle that does not need these two coverages.
Most companies offer a Good Student Discount that ranges from 5% to 20%. Don’t forget to ask about it and keep it current on your policy. As previously mentioned, the Defensive Driving Courses that are separate from Drivers Ed, are a good way to lower young driver cost.