I'll chime in here with two things. If I had teens, I might consider not having them drive at all until 18-19 and live in a place that is not so dependent on a car. There is a book called "Divorce Your Car" about this subject. I have heard of people paying 1900 a year for teen car insurance. Think of how many clothes, books, musical instruments, and sports equipment that could buy, as well as help pay for college. Some people I find brag about their careless driving. I had a supervisor who drove aggressively (she would tail on the way to work). She told me once that she had to work so many hours because she caused a wreck and her car insurance was $2500. Isn't that at lot for a woman? She should have just taken the bus (where she lived, that was possible), I would if I had to pay that much. Oh, and she was 44 years old.
There was some talk of the gay issue here and I don't want to offend anyone but I just have to say this. There was a show on History Channel, "Life After People". On their message board, there was the question "What would wipe out people and only people" and while other people said the rapture, or aliens or a virus, I came up with an answer: A Gay Bomb!. A flash of pink light, a loud sound like Elton John, and rainbow in the sky after wards and people lose interest in what couples usually do and eventually there are no people left. But the buildings and landscape are a lot better looking and there are still a lot of hair care products left in the world! Don't mean to offend but I just had to come up with this. Bob.