When it comes to paying for car insurance as a 16-year-old, there are a few options you can explore. One option is to contribute to the cost of the family's car insurance policy that you will be driving under. This typically involves getting a quote for adding your child to your existing policy with higher liabilities, as youthful drivers are considered a higher risk. Another option is to consider getting a part-time job or doing odd jobs for neighbors or family friends to earn money to contribute towards the cost of insurance.
Additionally, you can also look into discounts that may be available to you. For instance, some insurance companies offer good student discounts or discounts for taking a driver's education course. It's also worth noting that once you reach a certain age, such as 18 or 21, you may be eligible for lower insurance rates as a young adult driver. In any case, it's important to have a conversation with your parents about the cost of insurance and how you can contribute towards it, as well as any potential savings opportunities.