I'm trying to save what I can on car insurance. Are premiums based on the car, the driver, or both? I have an 18 year old and a 20 year old daughter - should younger, higher risk drivers always be put on the least expensive cars or does that not matter? Is there an annual mileage cutoff where you would save on premiums (tell them you drive that car 13000 miles instead of 15000)? Is there a standard age where it's cheaper to put them on their own policy instead of keeping them on the family policy? Obviously I can't call my company and ask them to help me "cheat" on my policy declarations so I'm turning to you folks for help. Thanks!