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It is a fact that young drivers insurance is more expensive than the older age group of 26 years +, however there are ways to keep cost lower than your average 16 to 25 year old driver. The reasons that the insurance is higher are obvious because most of the drivers just starting out do have accidents either small fender benders or worse. It is hard to make them understand that they must pay attention to everything like not driving up on a high curb in a car that sets low on the ground,don’t be swatting at a fly buzzing around in the car while driving, or don’t be talking on the phone while driving.