Here's a thought, make the 19 year old pay their own insurance....
Liberty mutual company offers very low rates; if you get liability only it will be even cheaper; and, if you ask for your "deductible" (your out-of-pocket loss after accident) to be the highest offered you will also lower u rate. 1 (888) 398-8924 I AM A CUSTOMER OF THEIRS
Go on line and get a few quotes and see what it will cost.
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