In CA, its not 25 before insurance goes down, that would be age discrimination, they go by 9 years after getting a license. So some of Jake's class mates in high school, did not bother getting a license until they were 18 because mom and dad carted them around, their rates will not go down until they are 27. Jake currently drives an old 97 Honda Accord with just liability so I may keep that around as his insurance car just to save the cost of his name on a full coverage off roader.