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Buying cheap insurance for new drivers can sometimes be a little of a misnomer, however. In most cases, you can actually get more expensive car insurance as a first time driver simply because you are still relatively new to driving. Still, that doesn't mean you should go out and break the bank on car insurance just because you're still a little inexperienced. Here are a couple of things you can do to minimize your premium costs while still maintaining the same level of coverage as the rest of us. Stay on your parent's car insurance plan: As mentioned above, most insurance companies offer significant discounts to policies that cover multiple drivers, so in some cases, staying on your parent's plan can actually reduce your insurance premiums. Make sure you have an active car insurance policy with a minimum level of coverage. If subaru wrx insurance cost haven't received any significant discounts from your current insurer, then there are a couple other possibilities worth checking out. Ask for discounts if you're using another vehicle, too. Buy your own vehicle: There's nothing wrong with buying a brand-new car for your first car. If you can afford it, however, you might be better off going with a used vehicle instead. That way, you're less likely to pay a hefty price tag for a brand-new vehicle. It also makes the whole process much easier on you. Get a discount on collision insurance: Most collision insurance policies will offer discounts to first time car owners and will typically increase your car insurance premiums slightly to reflect this. So, if your car is brand new, consider getting a collision insurance discount so you can save money on your premium. Collision insurance is basically the insurance that pays if you're in an accident or if your car meets a certain amount of damage, such as when someone slams into it. So if your car is still new and has only minimal damage, you're not going to save a ton on collision insurance. Ask for auto insurance discounts: There are plenty of insurance discounts out there that you can ask your insurance company for. Many of them are based upon age, driver experience, gender, marital status, location, and other factors. For instance, many major credit card companies offer a great discount to people who buy insurance with them. Get insurance quotes for your first few months driving: When you are new to driving, you may not have a lot of driving experience, but that doesn't mean you should worry about getting yourself into a situation where you can't afford to drive. By searching for insurance quotes, you can find a number of different quotes for insurance policies, many of which are based on driving experience levels. If you've had to skip school or work for an extended period of time because of an illness, you might not qualify for a quote on the insurance of your first few months as a new driver. Shop around: One of the best ways to shop for cheap insurance is to visit a number of different insurance websites and request free quotes. Most insurers will ask for one form to fill out online. It'll include personal information about you as well as your driving history and the type of car you drive. Once you have your quote, make sure you compare the rates you see to ensure that you don't go overboard with your insurance. The more money you can save, the more you can purchase your insurance. Cheap insurance for new drivers is possible. With a little work and some common sense, you can get cheap auto insurance for young drivers.