Insuring a teenage boy generally is pricey due to teen males are statistically likely to get into accidents. This thus is a higher risk for the insurance company so the premium will be cost more.

Insurance companies will differ on how they rate different cars. To try and get a lower insurance rate a good idea is to get a medium size, 4 door, 4 cylinder sedan with a lot of safety features. Also the cheaper the car, usually the cheaper it is to insure.

Your insurance company might allow for safety feature discounts that help lower the rate but if they do not it is still idea to have them to keep the teen as safe as possible. Safety features that insurance companies like to see are air bags, side air bags, anti-lock brakes and electronic stability control.

According to a recent article on Forbes.com they listed a few cars they believed are the safest for teens. This list included the Chevy Malibu Sedan, Honda Accord Coupe, Honda Civic Coupe, Hyundai Elantra, Saturn Ion and Toyota Corolla. Cars to avoid for teens are very small cars that have no safety features and SUVs since teens tend to overreact and could roll the vehicle. You need to have safety features if you are a young driver and you want discounts on your insurance.

Speak with your insurance agent to see if they can suggest any cars that they know will lower the teen's insurance rates.

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