i am almost 18 and my car is in my name, but my insurance is on my parents policy, i just use liability, got some cool discoutns on it, avg pay per month is like $72. i just drive sane though, i mean, sure i get on it sometimes, but not all the time like most kids around here... although if sometthing bad happened to me like a deer catching me totally offguard and slamming into me.... i think i would either A: run into the woods to die or B: take out my rage on the deer population.