Sam, I just added my 17 year old son to my policy. I got the bill earlier this week. $2000...FOR SIX MONTHS!!! When it costs a young man $4000 a year for car insurance, something is wrong. How can high schoolers work part time to save money for college (while maintaining good grades and maybe even participating in baseball, basketball or football). The answer is, they can't.
I've lived in NJ my whole life (I'll be 45 next month) and I've seen Trenton become such a mess its freightening. Here in the southern part of the state is better than the north, but its getting to the point where it is becoming unaffordable for young adults. Heck, in state tuition for the College of NJ is something like $18,000.
You should switch insurance companies... and colleges.
I'm paying 360 for six months for my wife and I for auto insurance, and 4k a semester for her tuition at Rutgers.