Get on your parents' policy. It's usually cheaper to add a teenager to their parents' policy, rather than be insured separately. Most companies won't charge an additional premium until the teen is a licensed driver. Parents need to inform their insurance agent or company that their teenager is being added to the policy. Deliberate concealment could impact coverage.
Good grades pay off.
GDL requires teens to log 50 hours with an experienced driver, but taking a formal driver training course will likely save teens on insurance. Many companies offer up to a 10 percent discount. Penalties can land you back in the passenger seat. As a teen driver, you'll likely be cancelled and if you can get insurance, expect to pay a much higher rate for the next three to five years. Traffic crashes and citations will also impact your premium.