I have always made my kids have their own insurance, and pay/do their own repairs. Figure that way they appreciate it more. Yes I got them their first car though to get them started.
Good plan.
I cant get her to cough up 30 bucks to cover the cost of an oil change.
My wife hasnt spent one red cent in 30 years plus maintaining or repairing her vehicles. Not one penny. Actually i bought them all too. insurance and gas. Thats all she pays for.
daughter thinks that same way.