Above all else, newly licensed drivers should know that an auto insurance policy isn't just an optional add-on. In fact, virtually every state requires drivers to carry an auto insurance policy with a minimum amount of insurance. If you don't have a record of having been a safe driver for a number of years, it may seem unlikely that you can get a good deal on car insurance, but there are a few ways you can pay less for a good policy. If you are a new driver shopping around for commercial auto insurance, check out some of the best tips below.

Ask About Academic-Based Discounts

Insurance companies have found that while there is no substitute for a record of good driving, good grades at school are more likely to reflect safer driving habits in new drivers. That's why many auto insurance providers offer discounts on policies for students who can prove they have a stellar academic record. While the cutoff for minimum grade point average may differ depending on the policy provider, students should be aware of the potential discounts available to them -- even if they have no driving record at all.

Add Yourself To Another Policy

New drivers—especially younger ones—are considered "high risk" by insurance companies, and as such may experience sticker shock when they get quotes for an insurance premium. Furthermore, if they don't have good grades, they're likely to assume that there is nothing they can do to lower the cost of the policy. One convenient workaround, however, is by getting added to a different policy that covers an experienced driver. This will undoubtedly mean a higher premium for the existing policyholder, but the difference will be less than a policy for a new driver.

Find Ways To Drive Less

While it may be more difficult than presenting good grades or adding yourself to another policy, one of the most reliable ways to lower the cost of an auto insurance policy if you're a new driver is to simply drive less. This may involve finding ways to take public transportation more often (especially if you are in an urban area), rescheduling certain activities at school or work, or simply renting a car for a long road trip instead of taking your own car. However you accomplish it, you're bound to see a substantial drop in the cost of auto insurance if you don't plan to accumulate a lot of mileage each year.

For more information, contact a commercial auto insurance company near you.