maryj,
I am glad things worked out well for you. However, insurance companies raise rates for poorer performing students because those kids are not as responsible as the higher performing students.
Is she a good kid? Yes.
Is she respectful? Yes, but only to a certain point, she sometimes show great disdain for any person of authority (nothing new there, she is a teenager).
Does she know and practice her faith? Yep.
Can she get A’s? Yep, you bet, she is a very smart kid.
Does she have a good work ethic? Nope, that is why she does not get A’s.
Now, here is another point. Her siblings work their backs off to get good grades, and they are rewarded with things like being able to drive. What does it say to them if I allow their sister to perform at a lesser level and still receive the same privileges? And, what message am I sending to my daughter about having a good work ethic? Plus, poor grades threaten college selections, etc…