If you have a car get a dashcam. It’s more valuable than any insurance because it will definitively prove what happened when something goes wrong. Bonus: you can post videos of bad drivers doing stupid things on the internet for imaginary points.
If only there was actually a good car dashcam, but every time I go down that rabbit hole I give up frustrated. The quality (build, mounting, video, whatever) is shit in pretty much all of them, and the "passable" ones look like a web cam from 2005 still.
We've been happy with the VIOFO A129 Pro. Not very expensive and good quality video on both cameras day and night. There are lots of day/night comparison videos and the VIOFO beat a lot of cameras that were much more expensive.
I agree, I also have a VIOFO A129 DUO and it's great. But I haven't found the time yet to mount the rear cam... too much hassle to bring the cables to the back of the car.
I thought it would be kinda ugly when I looked at it, but depending on how your car is designed once it's mounted you don't really see it so it's fine. Took a while to figure out how to wire it to the battery though, mostly because I'd never done that before.
People lie. Even a shittiest, cheapest dashcam will be better than nothing, when you have to prove to your insurance company who was really at fault after a collision.
I've bought the N2 Pro from Vantrue a couple of years ago and I've been super happy with it. The quality is pretty good and it has actually capable night vision and parking surveillance. I've also bought one for my brother in law (who got into an accident just a month after) and one for my grandma. Not to sound like an ad, but these are definitely worth checking out even if it's an older model.
Definitely get one for your teenage driver. It keeps them honest and safe. And they will pay for themselves many times over if you get in an accident that wasn't your fault. It's like having your very own personal unimpeachable witness riding with you.