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Not goofy. Your son is now listed as a primary driver of a vehicle with comprehensive insurance. You need to get him on a vehicle with just liability insurance. Welcome to my world.
Buy a title for a crushed car at a junk yard ....
I bought a brand new 1992 single cab ranger paid $9,456. Loved the truck. It was stolen by six 13/14 year olds at 40K in 1993. I got the truck back and traded it on a new 1994 extra cab ranger w/ a 4.0 and 4x4. Got $9,556 on a trade + a bunch of insurance money for damages as the kids who stole my 92 were in at least 3 different accidents. Drove the 1994 for 120,000 trouble free miles and traded it in 1999. Loved both of the rangers more than any other truck I have had since save for my 2000 Tacoma. I would most certainly buy another ranger to bad they don't make them anymore.