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Normally the insurance is not too terrible if there are fewer cars than drivers in the house. They also give you a break if a child is in college, especially if out of state. Also, one of the best way to make sure no one else drives your car is have a kid who can drive a manual transmission.

Just a thought - would you want to be able to drive in case of an emergency ? Then you probably want to check the options with your insurance agent.
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