If you’re 16 years old, live in California and just passed your driver’s license testjb casino, the first thing you should do is drive your family to In-N-Out Burger for a milkshake and some animal-style fries.

The first thing a parent should do is call the insurance company to update the policy. That part, however, will probably give you indigestion.

Last month, when Debbie Mukamal called her insurer as she and her daughter rolled away from an In-N-Out drive-through in their 2018 Subaru, the representative casually informed her that her annual premium would triple, from about $1,700 to over $5,000.

She has it pretty good, it turns out. There are plenty of families with three or four children whose annual premiums will top $20,000 this year. That can be enough to replace one of the cars that the policy covers.

How can this be? It’s the insurance industry, which means it’s complicated, unpredictable and more or less mandatory. Buckle up, since failure to do so can cost you money, and away we go.

If you were an insurance company, you would charge a lot more for young drivers, too. Consider the most recent data from the National Highway Traffic Safety Administration on young drivers, which it defines as people between the ages of 15 and 20.

Overall, violent crime fell 3 percent and property crime fell 2.6 percent in 2023, with burglaries down 7.6 percent and larceny down 4.4 percent. Car thefts, though, continue to be an exception, rising more than 12 percent from the year before.

But the move backfired in a way that few supporters expected. Californians in 2021 actually tossed nearly 50 percent more plastic bags, by weight, than when the law first passed in 2014, according to data from CalRecycle, California’s recycling agency.

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