You pay a substantial additional premium for youthful drivers on your auto policy. Discounts apply for good students and driver training programs. Provide the proper documentation to your insurance agent. When you add a new driver, you can save the costs for comprehensive and collision if that driver is rated to an older and lower value vehicle. If you do maintain full coverage on the vehicle to which the youthful driver is assigned, consider higher deductibles for that vehicle or higher deductibles for all vehicles on your policy. Renewal of your policy can be refused if there are two accidents in a three-year period. It is a good idea, especially in the case of youthful drivers, to keep minor accidents off your record.