Youth and inexperience definitely count against new drivers when it comes to car insurance rates. However, there are things you can do to lower your premiums somewhat. Many insurers offer discounts for taking a safe driving course and for paying your premiums upfront instead of monthly. Some also offer telematics-based programs that can adjust your premiums if you don’t drive a lot and/or if you exhibit safe driving behavior. Finally, opting for narrower coverage, setting a lower coverage limit, or accepting a higher deductible can all reduce premiums, though these approaches could cost you more if your vehicle is damaged or stolen.