I would not say that SAT's are definitely more important than GPA. It depends on the college.However there are some scholarships avaiable to kids with very high SAT scores. AP courses are important but don't over load on too many. The colleges like to see well-rounded kids.I have three 19 year old ggg. They were all given scholarship money to three different colleges based on their academic record- GPA, AP courses, SAT scores, community service and extracurricular activities.

As for inexpensive car insurance: Unforunately, teenagers will not have inexpensive insurance. Some companies give a reduced rate for teenagers with good grades, but the insurance is still going to be high until they turn 25.

Take care,
bamtriplets