Ponderosa wrote:
I went through this a couple years ago. It may vary by state but I was not required or asked to "exclude" them. They are listed as principal driver on one of the vehicles and that is the only one where the rates were changed in my case, IIRC, - and it was not that much anyway. Mine are girls though and got good student credits. It was all far less painful than I was expecting. Ins co is State Farm.
That's my experience. State Farm doesn't require you to exclude them from a vehicle (unless they become a high risk driver).