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Teenagers these days are very expensive, from jewelry to their trendy clothes, the latest gadgets to allowances and to paying for weekend hangouts. But as any parent would tell you, the most expensive part of having a teenager is giving them an auto insurance policy.

Making your teens safe while they are driving is one of the most importance issues in your auto insurance policy. The money you spend insuring your teens is of less value than keeping your teens safe against possible damages from driving. One place I go regularly for suggestions on securing my teenager is the car insurance website http://www.1carinsurance.org. The effective way of keeping your teens on the right track is by setting a good example for them. Don't cut people off and don*t teach them to speed. Never race over closing railroad tracks or chasing someone you don't know. In short, practice what you preach.

Having a teen also means you won't be able to follow him/her every single day. You can't drive with your teen all the time, that's for sure, so before they start going it alone, be a driver and a teacher yourself. Take a deep breath and let them behind the wheel with you for at least 50 hours of training before cutting them loose.

As gently as your nerves will allow, point out what they're doing wrong and what they're doing right. Also be sure to do a little driver education with them in adverse conditions such as rain and snow before you ever let them go out in those types of weather by themselves. Yes, they had to take a course and learned about hydroplaning and what not, but experience is the best teacher and as a parent it's your duty to advise them while providing said experience.

Now one way to cut costs on your insurance is to keep your teenaged driver insured on your policy and list them as an occasional driver instead of a full-time driver. Teenage car insurance rates vary from company to company. Another thing is auto insurance gets cheaper as your teens build a safe driving record. Making their car a used car will save you money, but be sure that you are comfortable with its safety features. You do not want to buy your child's death trap. By providing education, you can raise a safer and more responsible driver and with a little searching you can get rates that won't break the bank.