I spent an afternoon recently researching how parents can deal with the sticker shock of adding a new teen driver to their car-insurance policy, and then took a break to walk the dog. At the end of our very quiet, nearly suburban block, we encountered an unfortunate accident, wherein a young woman with a sticker on her driver’s-side door that said “New driver — please be patient” had plowed her SUV into the rear end of a parked sedan for no discernible reason. 

Nobody really needs to tell you why insurance rates for new, young…

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