If you have a teenage driver, have them assigned as the driver of your Vanagon, then check to see that they are covered no matter which car they drive.  My insurance agent figured this out and has my 17 year old as the driver of the Westie.  The yearly rate for her fell from 1100 to 785 and the rest of the policy didn't change because she is now on the extra car that was a minimal cost anyway.

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