Researchers analyzed a nationally representative federal database of more than 800 crashes involving teen drivers and identified a few common "critical errors" that are often one of the last in a chain of events leading up to a crash. Seventy-five percent of these crashes were due a critical teen driver error, with three common errors accounting for nearly half of all serious crashes.

It is common for insurance companies to offer discounts on auto insurance but you should make a point of asking. Discounts can vary widely by company as well as by state. Make sure you ask when shoping for auto insurance coverage.  These discounts are a great way to lower your premium.