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The eligibility of discounts being offered to you also depends on the association that you are attached with. If an association has lots of members, it will be easier for any auto insurer to offer group discounts when getting cheap insurance for young drivers. You also do not need to join all the associations. While you may be swamped with offers from several companies, there may be many companies who will directly reject to insure young drivers. In some cases, even if they agree to insure young drivers, they may charge an exceptionally high amount. This is because the young drivers are always more prone to road accidents.