My 15 year old daughter will be driving soon. Been researching this and re-reading that excellent insurance thread on year a couple of weeks ago. Seems everyone I talk to have different opinions about insuring your children. I have State Farm with 100/300/100 and full coverage on all the vehicles below, which I'm starting to think I got too much. That 01 F150 sits a lot and my only be worth 4-5K and wondering if I really need full coverage on that. Anyway, while she's on the learners permit, SF told me no worries, she's covered. Now when she gets her license, the hammer drops and I will get 1M in umbrella coverage, but I have to move current insurance up to 250/500/250...but with other discounts and stuff, was told it's not as bad as I'd think. My question, since the cars are insured and covered by me, and I give her permission to drive the 06 Accord, why do I need to have a separate policy just for her? One of my good friends said that she's not even going to tell the insurance company that she has a teenage driver. If she gets into a wreck, play it off like she was going to the store and got into an accident. Could that actually work? I know, some of ya'll may think I'm looking at a way to cheat insurance, but I'm paying a boat load of insurance now. It's for the same cars. The cars are insured for A LOT. I don't think I'm cheating anything. Is there some sort of legal ramification if I did what my friend said when she starts driving? I mean, she'll have a legal drivers license and the cars are insured, so technically, why would that matter? I am meeting the legal insurance requirements in Oklahoma and then some. If ya'll got any type of experience with this, I'd be more than willing to listen and heed the advice.