I’ve always been a self-avowed history nerd. When I was young, the Middle Ages held special fascination for me, particularly the fashion, which my best friend and I tried to recreate on our mothers’ sewing machines. (Told you: history nerd.) However, I always wanted to know things that didn’t seem to be in history books, which was basically anything having to do with women’s lives. Rather than just who they married and who their children grew up to be, I wanted to know what their day-to-day lives were like. What did they discuss with each other? What did they do when they got their periods, for God’s sake? There was a frustrating lack of any information of this sort that was available to me in the suburbs of Washington, D.C., in the late 1980s and early ’90s.

I went off to college hoping to learn more about women in history, and not just the “famous” ones. I was all set to become a history major until I took my first art history class—history with pictures, even better! Although I got a “D” on my first exam (I mean, really, who can keep all of those Egyptian dynasties straight?), I fell in love with the field.

That first semester, I didn’t see Dutch Golden Age artist ’s Man Offering Money to a Young Woman (1631) (sometimes also called The Proposition) in class. In fact, I’m pretty sure I didn’t see any art by women in that class, but I was lucky enough to see the painting in person at the Mauritshuis in The Hague during my first winter break. That’s because, after I graduated from high school in the aforementioned D.C. suburbs, my family packed up and moved to the Netherlands.

When I first saw Man Offering Money to a

If you are or know someone who just got their driver’s license and a vehicle, remember that having auto insurance is mandatory in 48 states — and most policies will charge more for those who are new to driving. An insurer may conclude that it’s a greater risk to cover a teenage or first time driver than an experienced driver with safe driving habits.

Car insurance rate premiums shoot up by around 130 to 140% when a teen driver is added to an existing policy and can rise an additional 20 to 40% if that driver gets a speeding ticket or has an accident. Rates like these tend to remain in place until a driver turns 20.

Adding a teen driver to an auto insurance policy can get pricey, but there are ways to soften the blow to your wallet.


Nationwide

Thankfully, there are ways to cut down on insurance premium policy costs. For instance, driving safer and more efficient vehicles (such as Honda Civics, Toyota Priuses, and Nissan Rogues) tends to cut costs, even for teen drivers. There are also discounts based on how often you use your car: “Some companies offer discounts to motorists who drive less than the average number of miles per year,” says Janet Ruiz, director of strategic communication at the Insurance Information Institute.

Teens may also qualify for good student discounts, or discounts based on taking defensive driving classes or graduated driver licensing programs. “For young drivers,” says Dan Karr, founder and CEO of ValChoice, an independent platform for insurance ratings and analytics, “there are discounts for taking drivers certification courses and maintaining above a B average.”

You may also be able to save money if the