[meissen]

I'm sure the situations are 100% dependent on state laws and regulations, but here in Michigan the insurance agents my family always used said that I could be added to the policy but I didn't have to be placed as a primary driver on any of the vehicles. I got my 1994 Camaro when I was 16 (I paid for it, though) and that way I could drive the camaro fully insured and not have any hassles. See if your parent's insurance company would be willing to work the same deal out to get a lower rate. At first I think we put me on as the primary driver on one of the other vehicles, and that's when the insurance agent said not to put me as the primary driver on any of the vehicles but just add me to the policy in general, that way the premiums weren't as high.