ok couchies I have a dilemma. it's about car insurance and my teenage son. our friend just switched to Allstate because they told him that he didn't have to put his 16 year old son on the policy and they are paying way way way way way less than we are with our son ON our policy. (we don't have Allstate). So my h called Allstate today. And he asked. And they said that we don't have to add our son to the policy because he lives at home and does not own any of the cars. That our policy will follow the cars.

I cannot FATHOM this. because their web site even says that you must insure a teen driver as soon as they get their license. We can save a TON of money if the agent is correct, but I think she is completely wrong and if we do this, and change, and don't add him, and he heaven forbid causes a bad accident, we could lose our home. I cannot wrap my mind around this. Hubby is ready to change immediately but I can't do it. I can't. Does anyone know anything about this?? thanks.