[blparent] insurance for teen driver

[dawn stumpner]

Thanks for your suggestions, Stargazer.  No, my ex-husband is not 
doing well financially and gives very little financial support.  
I'm not even sure he still has a license.  He generally rides a 
bike or takes the bus.  I have explained to each insurance 
company that I will have the keys and that my son's driving will 
be limited, but they say that me saying it doesn't prove that he 
won't have access to the car when it's sitting in our driveway.  
I think this would be the same with any teen, though, even when 
they have other sighted drivers.  I think many of them still 
drive more than my son will.  I have also explained that there 
will be other drivers, but he is the one living here and would be 
the primary driver in their books, so that had no effect.  I'm 
calling as many insurance companies as I can to compare rates.  
The difference in rates between companies is HUGE.  I'd heard 
that Progressive was "friendlier" to teen drivers, but so far, 
Triple A has been the most reasonable.  I spoke with someone at 
Triple A yesterday, and it sounds like if I only get liability 
with no comprehensive or collision for the car itself, I would 
pay about $236 with them.  This is much better, but it means I 
would have to get an old, gas-guzzling car I didn't mind not 
having coverage on, so I will still have to figure out how to 
budget for extra repairs a car like this would probably entail.  
Still, it's a LOT better than the other rates and possibilities 
I've seen so far.