You can add someone to your policy as either a policyholder or a named insured/permitted driver (can't remember the exact wording)...could that be what she means? Both are covered, it's just a question of status (I think). I added a catsitter once as a permitted driver and it was very cheap.

I don't think even in Arizona teen drivers are allowed to be uninsured. Course we are talking about the state that during my one year of residency there gave me a driver's license that's good till I'm 65!