You add your teenager to your car insurance policy. You brace yourself for a small increase. Then the bill arrives and suddenly it looks like your insurance company thinks your child spends weekends drifting a Lamborghini through school zones. If your premium jumped by hundreds—or even thousands—of dollars per year, welcome to the club. This is one of the most common financial shocks parents experience when their child starts driving. And yes… it feels outrageous. You’ve probably been paying premiums for years. Maybe decades. Maybe you have never had an accident. Then your teenager gets a learner’s permit and suddenly More…