For my teenage girls
HI; I would suggest having your son on his own policy. Put him on a policy for PL & PD only...no collision. The key to this approach is the kids must drive "beaters". The cars value must be less than 5 K. If you want to help him with insurance...you can help. (or your son can get a part time job).
If there is an accident and is at fault your insurance pays them...your beater will be a write off...but its worth it. The insurance for the girls to have "collision" would be about 4500 per year...the cost of replacing the "beater"
My two bits
Hoopi
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