For a parent whose teenager is about to begin driving it is important to get adequate car insurance for your child. If you have an existing policy and the child will be driving your car as a secondary driver it is a good idea to simply add them on as a secondary driver to your policy. This is often a much cheaper option than getting an individual policy for them.

However, if your child will be having their own car then it is time to shop around for the best policy. Finding adequate car insurance for young drivers is much like finding adequate insurance for more experienced drivers except with higher premiums.

Often young drivers are considered to be less careful drivers and this especially applies to young men with whom the traditional 'boy racer' stereotype has been associated. This can lead to much higher premiums and higher excess amounts than other policy holders.

It is always a good idea to take this into account when your child is choosing their first car. Some cars are classed as being much more sporty and therefore at risk of being driven excessively. They therefore have higher premiums. Ask your car insurance provider which cars carry lower premiums before you buy. This could be one way of cutting down the cost of your child's car insurance.

It may also be possible to pay higher monthly premiums in order to lower the excess amount. Before you make any decision, though, shop around using car insurance comparison websites – this will ultimately get you the best deal.