For auto insurance the most efficient way to get a great quote is do a policy comparison on auto policies. Make sure that you compare similar options with the same deductibles, auto type, zip code, etc so that all things are an accurate comparison.

What I usually recommend is an internet comparison quote at http://www.lowratetoday.com since they have discount insurers and will give several prices on car insurance polices.

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NO. They normally do not go up until you are an actual licensed driver.