i know that if u have good grades or if u take driver's ed, ur insurance is less, but does anyone know if they choose both, or only one?

That depends upon the insurance company. I suggest you check this site, then call agents for several different companies to get their rates based upon your grades and driver's ed.

http://www.carjunky.com/carinsurance/Car_Insurance_Premium_Factors_Your_Record_%20Age_Driver_Education.shtml

When it comes to obtaining car insurance at a lower rate based on good grades or completing driver's education, it can vary depending on the insurance company. It is recommended to check different insurance providers' policies and rates to find out if they consider both factors or only one.

To begin your research, you can visit the website mentioned: http://www.carjunky.com/carinsurance/Car_Insurance_Premium_Factors_Your_Record_%20Age_Driver_Education.shtml.

This website provides information about the factors that affect car insurance premiums, including your driving record, age, and driver education. However, it is important to note that this website may not provide specific details on individual insurance companies' policies.

To get accurate information, it is suggested that you contact multiple insurance agents from different companies. You can inquire about their rates and their policies regarding discounts for good grades and driver's education. By comparing the rates and policies from different insurance providers, you can make an informed decision on which one offers the best deal for your specific situation.