http://www.foxbusiness.com/personal-finance/2012/01/05/why-teen-car-insurance-is-expensive-theyre-bad-drivers/
Yea we may be bad drivers but parents aren't as good of drivers either. When your in the school parking lot its a parent who is almost hitting you not the teens. But I also don't have much room to talk since I have already totaled a car within my first 6 months which they said was the highest risk time.... Its all bout self discipline some have it some don't..
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