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Your son (or daughter) is about to get the magic drivers license. He (or she) is hinting about buying him a car or looking longingly at your car keys-maybe you should hide them. Consider that adding a teen to your policy can double or even triple your premium, before you give out those keys- better shop around for car insurance before your children get licenses to lower those rates.
First, read his report card. Most insurers offer discounts--sometimes as much as 25%--for students with a B average or better. That's all the more reason to encourage your child to study hard.
Make sure your newbie drivers have had driver's education. This can help reduce rates.
If your household has more than one car, pay attention to what car she drives. Even if you never give your teen the keys to the Jaguar, your car insurance company may price your policy as if she drove the most expensive car in your garage. Be sure to ask about this expensive provision-ask for a reduction by demonstrating you are not going to allow him to drive the expensive vehicle or switch insurers if the reduction is disallowed.
Or you can send him away to school, sans auto. Many insurers discount family car insurance premiums when a teen is away at school without a car. They, charge lower, "married" rates for away-from-home students. "Away" usually means 100 miles or more from home. The discount, which could be worth 10% or more off family policy, is good year-round, not just during the school year.
Finally consider having insurance in child's own name as soon as they reach legal age for your state. Consider, if your son runs a stoplight in a car insured by you and injures someone, your insurance 
Can You Afford to Let Your Kids Drive? – Car Insurance for Teens
By By Marie Wakefield
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