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When his two oldest kids were living at home and driving, my brother discovered it was cheaper for them to take the kids off the parent's insurance and get them their own insurance. Something to do with the homeowner's insurance, I think. And that was in Massachusetts.

Thanks for the suggestion. It is something that we looked at, but they'd still need to be on our insurance if we wanted them to be able to drive our cars because they live in our house. Once they move out, they can have their own policies and we don't need to cover them even if we want them to be able to drive one our of cars from time to time because they wouldn't be part of our household. It would be the same as if I lent you my car to drive. It would still be covered by my insurance because I gave you permission to borrow the vehicle, but I don't need you on my policy because you don't live at my house.

I am not sure if it works the same in other states.
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