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8. Will the type of car my teen driver uses affect my premiums?

For the lowest insurance premiums, the best cars for teen drivers are minivans or sedans; just say “no” to sports vehicles and new cars. Also, look for safety features like automatic seat belts and daytime running lights.

"Parents often want to be nice to their kids or reward them for good grades by surprising them with a new car," says Webber. "But sometimes, a little bit of common sense helps too. Just buy an older, safe car."

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