My husband and I had our car and renters insurance through American Family for 5 years with multiple cars. When our daughter and her boyfriend (now husband) moved in we were told we had to add them to our policy because they lived in our house. We were told the same thing about our 23 year old son who had his own vehicle.

It wasn't that they were driving our cars, they just lived here. Our rates went up. We asked if they could have their own insurance but were told that they had to be on the policy because they "might" have access to our cars.

Then our two teenage boys began driving. The 23 year...