Why the hell not?

 

My dad refuses to switch auto insurance companies. Besides, I think having my own policy would be a lot more money

 

You think...



Look into it before you throw in the towel.

 

My car is insured under my dads name for $80 a month. If it were in my name I'd be paying almost $400 a month for liability only. Course im an 18 year old male with 2 accidents and a history of seizures. Pretty much just bend over and take it.

 

I might talk to my dad about insuring it under his name (if possible). I typed in his information into Nationwide's Quick-Quote and it was only $600 a year for full coverage...

 

All you have to do is get both of your names on the title as a joint owner.

 

Would it still be $600 per year? Or $2000 since i'd be driving it?

 

The insurance company would see it as your dads car for $600. If anything happens the cops see it as you borrowing the car from him. Though it might put a mark on his record if you screw up, Im not sure though, so no point in telling him that.



As long as both names are on the title and the registration, you can drive it all you want and it can be insured in just his name. Dont put your name anywhere on the insurance. I know this is legal in Colorado, at least untill Im declared fully independent when I turn 24 or get married.

 

Well, I found out that my Honda is currently insured to my dad (which explains why it's about $500 a year). I ran the idea by him (sort of), but i'd have to actually sit down to talk with him about it. His co-worker is willing to sell his 2000 Oldsmobile Intrigue to us for $5000 I'd rather keep my Honda.

 

**** it, i'm just not gonna get a new car. Everything that's decent is too much on insurance. On top of that comes car payments, my rent, food, and books. I shouldn't be this depressed about it, but I am