If you are a teenage driver looking for auto insurance, then you need to know a few things.

First: You need to keep a clean driving record: It's imperative that you do. If not, your rates will be very high causing out of the pocket expenses.

Second: Consider driving a family safe car. This way, your premiums will be lower.

Third: What policy deductibles are you considering? This can play a big role in your monthly payment as well as your coverage in the event of an accident. (Document it)

Fourth: Always drive with a seat belt. Everyone in the car is required to strap in with a seat belt. Tell your friends it's mandatory.

Parents, you may want to consider a stand-alone policy.
This way, your child is responsible for his or her insurance. May be worth looking into.