To add teen daughter to auto policy the insurance agent says I need to change one of our vehicles to a liability only policy for $5000 per year; can I do this if both our vehicles have a loan lien? 
Each car in the household is rated on a specific driver . The impact of an inexperienced driver is placed on one car in the household . If the inexperienced driver is the third driver in a two car household the new driver will be assigned as occasional to one of the vehicles . The impact is more significant if the vehicle is new and insured for liability , comprehensive and collision . Some people buy an additional older car so that the inexperienced driver will be assigned to that car . I do not understand the logic in adding two older cars . 