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[quote=Anonymous][quote=Anonymous][quote=Anonymous]If they have their own car, it is a lot more.  So 2 cars and 3 drivers is much better than 3 cars and 3 drivers.  Even if you do not think of that 3rd car as your teen's, your insurance will.  [/quote]

Not true for USAA in Va.

If the tern has his/her own vehicle, insurance rates them on that vehicle.  If tern doesn't have a designated vehicle, insurance rates them on the most expensive of the parents ' vehicles.

That said, a teen with full access to his/her own vehicle is much more likely to get in an accident (can't remember the percentage, but it was pointed out in the Teen/Parent driving program we had to attend in VA.)[/quote]

pardon my typos.... "tern" is meant to be "teen..."

And here is the link to the higher risk of accidents when teen has his/her own vehicle:  https://abcnews.go.com/Health/MindMoodNews/teen-drivers-cars-crash/story?id=8675882

And here's some good data on costs of insurance at different ages and in different states.  https://www.insure.com/car-insurance/teen-permit.html[/quote]

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