Learning to drive may be a major rite of passage for American teenagers, but it’s also the leading cause of stress eating for their parents–and for good reason. Compared to drivers who are 20 years old or older, teenagers’ crash rates per mile driven are nearly four times as high.

If you’ve ever met a teenager, this can hardly come as a surprise. Kids that age lack experience, are convinced of their own immortality, and tend to make impulsive and risky decisions. Unsurprisingly, those are the exact same reasons why teens pay the most for auto insurance premiums of any age cohort.

The good news is that you can reduce auto insurance costs for teen drivers using strategies that also help keep them safe. Here’s what you need to know about affording your teen’s car insurance–and keeping your

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