[hocus pocus]

I can see why you're frustrated. I would be, too. I don't know your parents personally so I can't say whether or not they're lazy or irresponsible. From my experience, however, it could very well be that they're busy with other things or they're forgetting to make the call. Sometimes when my parents forget to make calls, I write down the information on a sheet of paper and put it where I know they'll see it. You might be able to try doing the same and putting it on the table or the refrigerator.

You could try telling them that you'd like to go out with your friends on a certain date or time and you can do this at a time that is particularly close (even in a time frame of a few hours) so they're more likely to call sooner. You might be able to casually bring your parents the phone and ask them to call right then and there and just tell them that you're trying to cross things off your to-do list, and calling for insurance is one of those things.

I hope everything works out!