I got my license when I was 17...my parents thought I should wait until I could pay for my insurance & had a crazy idea that waiting longer would make me a better driver when the big day arrived.
I'm not too bad of a driver, no tickets or fender benders...but I'm now on my 3rd car. Hey, only 1 car was my fault...and the deer who's life I spared appologized about me going into a ditch
The other one was a lady in a big hurry during rush hour...ran a red...but she felt so bad she kept shouting "I'm so sorry, it was my fault", etc so it made the insurance situation a snap
(Yes, my parents both dye their hair now...it was just part of being their oldest!)
I had the most frightening man for my driving test, he was a police officer (not sure why he'd want to give driving tests?) anyway, he passed me, but did it very reluctantly he said, because I wasn't a defensive enough driver...really he just intimidated to crap out me! I cryed the whole ride home, it think it was half angry half relieved it was over :chuckle
I wish you piece of mind with your daughter, get full coverage on the car...so you will have one less thing to worry about when she goes out