My neighbor and I were just looking at some options for this (his kid). Almost seems cheaper to go with a separate entity for certain situations. Similar to how I have my motorcycle insurance completely separate from our AMFAM umbrella coverage.Have you ever personally called and checked on insurance for a 16 year old?
Colorado has similar laws.I cannot reiterate enough how it should be a two seater if at all possible. Having friends in the car has to be the most distracting thing ever for a young driver. In CT, they even enacted a law some years back that you have to be X years old and have X years of driving experience to have any minors in the car other than siblings.
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