We use Auto Owner’s. We added my son at 16. We added a 1997 Jeep Wrangler when he was 15 1/2. That car was for him.
Our rate on that car went up $800 a year.
We are in Ohio.
Son got good grade discount.
We own 6 cars with 3 drivers.
Our Homeowners policy is with a different insurer.
I was thinking auto owners and Farmers for starters. We also have our home with a different carrier because we get a better break with our rentals.
And we do only minimum coverage with no loan on the car.
I live in Ohio also. I’ve been with State Farm since my first car. At one point had 3 teenagers on my policy. Our agent is/was great at matching up certain cars with each kid for the lowest premium.
I think you do need an agent willing to work for you and not try and sell the highest premium.