Your best bet is to use such a guide to identify your state's most cost-effective insurers. Then get price quotes from a handful and you'll have a truly comparative guide. Manage your teenagers' driving Young drivers pay much more than most others because, as a group, they have more accidents. Rates will drop several notches when they reach age 25 or marry. But meanwhile, if possible, avoid letting them become the principal driver of a car, which pushes up the premium even more.
Young drivers can also get discounts for completing an approved driver-training course.
When comparing policies, consider discounts but don't fixate on them. A discount may very well be offset by a higher premium to begin with. Some charge less for collision and comprehensive coverage on models that score well for safety and durability, but add surcharges for others. A surcharge or a discount isn't a judgment of a car's quality. The rate variations reflect repair costs, accident frequency, theft losses and other factors.