Ah. Our insurance policy is great. My parents didn't have to add me specifically because anyone living in your house is covered to drive the vehicles, so mine is technically not listed under me, but I'm still covered (covered me in full after my accident without an issue). Even if that changed it still wouldn't be horrible because they give good students a discount. My parents wanted me driving my senior year 1. so I could do after school stuff and my mom wouldn't have to pick me up and 2. because there was a good possibility I'd be commuting to school, and even if I lived on campus I would still need a car and they wanted me comfortable. They planned their car purchases years in advance so I would have one of the cars. They also switched the AAA policy from my dad to me, which is nice.
Here the learner's permit age is 15 and 9 months, your must keep the permit for 9 months, record 60 hours of driving time, 10 of which are at night, and take a Driver's Education course, which includes three sessions behind the wheel with an instructor (not counted towards your 60 hours). I got mine a little late, about 16 and 8 months old.