Males under the age of 25 have to pay for more car insurance. According to FreeCarInsuranceInfo.com, males typically pay higher premiums than women of the same age bracket, and this is because males are more prone to cause car accidents, and thus are a higher liability to their car insurance companies.

The Insurance Information Institute (III) warns parents that adding a teenager to an insurance policy usually means a 50 to 100 percent increase in the parent's insurance premium.

“I have my own car that I drive, and I worked it out with my parents already that they’re fine with paying my car insurance as long as I am doing well in my classes,” says Danny Miller, a Venice High senior.

A discount offered by most insurance companies can help reduce the cost of insuring teen drivers. “Good student discounts” are available to teens who have a grade point average of a B or higher.

Auto insurers are concerned about teen drivers. Insurance Information Institute has released statistics, showing just how much of a risk teenage drivers are to themselves and to others on the road.

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In 2001, 3,608 teenage drivers were killed in traffic accidents. Teens accounted for 14 percent of all the drivers involved in motor vehicles fatalities, according to the National Highway Traffic Safety Administration.

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The crash rate for teens aged 16 and 17 is three times greater than for 18 and 19 year olds.

One way to shop for insurance online is to choose Progressive Auto Insurance, at www.progressive.com /shop. On their shop site, you can choose from a variety of coverages to fit your lifestyle and explore “what-if scenarios,” such as how much your insurance will change if you move, buy a car or add a driver. And it takes 10 minutes to do online.