If you don't have a car and think that it's a waste to get a driver's license since you don't have a car, then you should get your driver's license anyway!
Insurance rates are based predominately on driving EXPERIENCE. If you wait 'till your say, 25, to get it one, then you'll be in the same category as a 15 year old just starting.
You'll have a driver's license and not have any dings on your record either! :)
Life goes by so fast...need to take a few seconds to write down and remember experiences that make me the person I am. 
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