GREENSBORO, N.C. — Insuring your teen can be pricey; premiums can run much higher than for experienced drivers.

Should you put your teen on a separate plan?

" In general, no, putting your kid in a separate plan will cost more money. You should shop around. As CR found, and as they find repeatedly, loyalty doesn’t pay. Insurance companies want to attract you with lower rates," said Keith Barry, Consumer Reports.

CR found that the median savings for policyholders who switched insurers recently were $461 on their annual premiums.

Should you cut back on collision or comprehensive to save money?

"Never skimp on liability insurance, even if it does save you money on your premium. The right car and coverage can go a long way toward protecting teen drivers," said Barry.

What type of car d

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