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 worry to a minimum.

Teen drivers who maintain good grades are statistically less likely to get into car crashes than those with low GPAs. While this statistical phenomenon is a correlation rather than a causation–the school Valedictorian is just as capable of driving like a boneheaded speed demon as the 6th-year senior–it can benefit parents in two ways.

The first benefit is that students with high GPAs can generally........

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