hey - were not actually exactly sure when were going to leave, we're researching best/cheapest flights currently so it mainly depepnds on that!
we havnt had to look for insurance as a complete foreigner because one of the guys has a house in florida :D and also a florida state driving licence so we should be able to use his house as residence address for registering.
we are yet to finalise any breakdown cover though, again hopefully we can register with the AAA with his american residence. Do you have any kind of breakdown cover sorted?
From our relatively small amoun of research into insurance i dont see why you wouldnt be able to get insured just because you are under 21...surely there must be loads of american teenagers who need to drive...but the only problem could be not having a residence there.
If you find anything particularly useful then let me know :) and ill let you know when we know more about when were going to be there
P.s if youre going for 3 months are you going to take a really roundabout route or stop places for a long time or what? cos it seems like a long time!