Here in CT you need a VIN to get insurance. I'm waiting for my insurance co to send me the card, but I had just added my son, who got his DL Saturday, to the policy, and I have to wait a day or two before that's squared away, then she will add the Tesla. I'm having the policy start on the first possible day for my pickup, because she needed a date.
So, adding a 16-year old male to my policy, and a Tesla, by far the most expensive car I have ever bought, at about the same time is going to crush me on payments. Oh well.