Kids don't come cheap, especiallyas they get older. Just about whenyou're figuring out how you'regoing to pay their college tuition,they get their driver's license andyour car insurance premiums gothrough the roof. There are ways toease the blow somewhat. One is totake advantage of any discountsyour insurance carrier may offer,like for students who average "B" orbetter in their class work, or forthose who have completed a driver'seducation course. And once yourchild is in college, many insurerswill cut you a break if the school ismore than 100 miles away and theydon't have a car there. Don'tcount on lower premiums for yourdaughter—insurance companies arefinding that accident rates amongtoday's teenagers are virtually thesame for both girls and boys.