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All other things equal, buying another car probably won't double your rate. If she has a similar driving record to you (and is in her low 20s as well), she'll pay less for insurance because of her gender. If she can find a cheap car that you guys don't have to take out a loan for, then it may end up not eating through all the extra money she'll make. You can get liability (and I suggest glass), and get the insurance fairly cheap.
Fixing things for yourself will keep costs down. Changing oil, brakes, and other basic repairs can really help you save money. I just replaced the pads and rotors (while fixing a stuck caliper) for $102. It would have cost $200+ at a shop. If you don't know how to do these things, learn. It's a good reason to get out of the house and do "man" stuff as well. We had to replace the fuel pump in my wife's car. The shop wanted $800+ to put the dash back together (long story) and put in a new pump. I did it myself for the cost of the pump which was about $160 after shipping.
Fixing things for yourself will keep costs down. Changing oil, brakes, and other basic repairs can really help you save money. I just replaced the pads and rotors (while fixing a stuck caliper) for $102. It would have cost $200+ at a shop. If you don't know how to do these things, learn. It's a good reason to get out of the house and do "man" stuff as well. We had to replace the fuel pump in my wife's car. The shop wanted $800+ to put the dash back together (long story) and put in a new pump. I did it myself for the cost of the pump which was about $160 after shipping.
