Parents insuring a daughter can expect rates to go up as much as 50 percent. Adding a son to the policy will increase rates by as much as 100 percent, according to the Insurance Information Institute.

The Insurance Information Institute suggests putting teenagers on the parents' policy. It's generally cheaper than teenagers purchasing their own insurance.

Optional coverages parents might consider dropping for a teenager are comprehensive and collision. Those can be costly to carry on a teen driver, depending on the value of the car the teen drives, Avery said.

And the first car your teenager owns should be inexpensive but reliable, driving instructor Jon Pecaut recommends. The fastest way to higher auto premiums is a tricked-out, horsepower-hungry hot rod. Sport utility vehicles and four-wheel drive trucks also push rates higher.

Pecaut, who owns Shasta Driving School in Redding, suggests that teenagers drive a reliable car worth less than $5,000. An inexpensive car won't need collision coverage.

It's not a bad idea to ask the insurance agent about a vehicle before making the purchase. Sometimes two cars that appear similar can have stark differences when it comes to insurance costs, Avery said.

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