i live in florida and every insurance company down here wised up and if you area a single child family, no matter what if you have 3 cars you must be the primary driver on one of the cars (atleas allstate says that)
You need to contact several insurance providers. Prepare for a stroke as you are only 16 and any Cpe may be viewed as a high-risk vehicle because of your lack of driving experience and age. A Driver's Ed program could provide you a small discount. Stipulating a higher deductable ($1,000) could also result in a smaller premium.
Recently, a couple of my relatives are contending with younger drivers, and their insurance companies have advised separate policies. One reason is that any infraction can result in surcharges and these surcharges are applied to every policy the parents have -- ex. 3 cars = 3 policies = potential for 3 surcharges x several yrs.