State High Risk Pools, fatal teen crashes and installing GPS for teens. Buy higher limits, since accidents are usually at higher speeds with greater property damage and injuries. You might have to risk your own policy by placing the teen on your plan. Good Student Discounts, drivers training courses, and buying a low theft beater. Always always shop around! Reduce rates if your teen goes to college far away sans car. Have your teen drive within the California license limits. Use California Department of Insurance surveys. Shop via our car insurance quote form. Split your limits so you don't over insure your child's beater.