Every driver must be insured. Younger people, specifically students are typically classified by insurance companies as being higher risk, so the majority of car insurance companies charge them much higher rates. Many students find it less expensive to remain on their parents' insurance plan. However, if a student attends a school that is out of town, this is no longer an option. Students can benefit from obeying traffic laws, being careful about their credit score, and minimizing unimportant driving. By taking these steps, students can obtain more affordable insurance and save money in other ways.