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7. How much will my rates go up if my teen crashes or gets tickets?

"You should expect a 20 percent to 40 percent increase in your rate after that first accident or ticket," Lehman says. "Not just because of the incident itself, but also because you may lose any good driver discount you may have had."

Insurers have good reasons for charging more for teen drivers. A study by the Governors Highway Safety Association found that teen driver deaths were on the rise in 2011. To minimize the risk of crashes, stress to your teen the importance of avoiding distractions, like texting or talking to friends while driving.

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