A: There are many factors that affect the rates charged for youthful operators. If you have only two cars and two adult drivers, try to avoid adding the third car. If you have three cars and three drivers, the child normally must be assigned as a principal driver, regardless of the actual usage. Also, if you add a car for the child, consider one with a low enough value that you do not need to add physical damage coverage. If you must purchase comprehensive and collision coverage, consider selecting higher deductibles. When selecting a vehicle for a child, consider a "basic" car, rather than something very expensive or sporty. Also discounts are generally available for good grades and behind-the-wheel driver training. When your child goes off to college, if they are 100 or miles away from home without a car, you receive a significant discount on the car they would normally drive. If they do take a car, it will be rated based upon the school's territory factor, which can be much higher than the rates for our area of Pennsylvania.