typically too much caffeine or nicotine and stress can cause the eye to twitch. cut back on the caffeien and nicotine or get rid of the stress.

In most cases it really depends on the vehicle your teen is driving and if the accident was at fault or non-fault. You may also want to look at companies that have "Good Student" discounts (requires a 3.0 or higher to qualify). I always tell my clients with teen drivers to rate them on their policy but have the teen pay the difference. The teen will receive the benefit or your rating but of course your policy premium will raise and any accidents that may happen will be listed on your policy.