your parents aren't linked with the insurance policy at all??? :confused
that's really strange....
cuz yeah... progressive shouldn't be insuring you, if you are alone on the policy.
to my understanding, you must be 18 to be held in "Sui iuris" (the ability to think for oneself) to agree to contracts and the such. technically, they could say you don't have insurance provided by them as you didn't enter into a legal binding contract.
i'd definitely look into this... and it could have serious repercussions for you if something were to happen. *knock on wood* good luck with everything.
and im just telling you what i think i know, it could be wrong. maybe someone with more knowledge could chime it?