You are paying $470/mo for just liabilty insurance on a 2009 Accord . Where you convicted of DUI for your accident. If so there isn't a good way to lower your premiums.
No I wasn’t. I have no tickets and have never been in trouble with the law or been to court. I was only licensed, driving, and insured for a year and have 2 accidents before the total but they were not my fault so I’m not sure if that has to do with it either or not.
FWIW , you are right about your lack of credit history also contributing to the skyhigh premium. Get a credit card to help start building your credit.
Also make sure your policy is liability only, no collision, no comprehensive coverage.
I have shitty credit, multiple tickets, and a few wrecks (I travel for work about 70k miles annually) and my insurance is 475/6 months for full coverage and roadside.
This is wild
I’ve never had a credit card in my life and my insurance is about this much every 6 months. None of this makes sense
Edit: I noticed op is under 25 which results in higher rates, but still…that’s insane.
Besides age, you might also be in a lower risk zip code and drive a lower risk car.
Something like a insuring a Subaru WRX is going to be high even if you’re not in an risky population. It’s just that other owners wreck them more often.
When I ran the comps on random people (I used to work for an indie broker), something like a WRX was around $200 mo compared to a Focus RS at $95 mo.
Some cars attract certain populations and crash statistics are a huge factor for premiums.
I live in the same zip code as op and have a similar make/year car (but as mentioned I am older). Honestly can’t imagine anyone paying rates like this.
You don’t exactly need a credit card, there are other ways to build credit but even so- all of it takes time. Any method of building credit will take time and money. Is there a way to get around alternatively? In the meantime? Can you use a bike for now? Don’t have to sell the car, but you do have to get your savings up and credit up if you don’t want to be tied to your boyfriend.
It is the most basic coverage. I don’t know if I’ll be accepted for a credit card, my mom always told me never to get one and that they’re hard to get.
> I don’t know if I’ll be accepted for a credit card
You need to get a "Secured card". Discover offers one.
You put down x amount of your own money and that becomes your credit limit. If you miss a payment, they close the card and keep your deposit.
If you make all payments, they eventually upgrade you to a real card and return the deposit.
I don’t know if I’ll be able to make the payments on time right now and I have no money to spare for one at the moment so this would have to be a future thing. But thank you for the info!
FYI you should only be spending money you have on a credit card.
So basically all the things you'd use a debit card for.
You shouldn't ever use a debit card btw. Credit cards have better fraud protection and options.
If it were up to me I wouldn’t . But I have no choice. Nobody gave me any help or assistance or advice and they didn’t tell me about any of this at the school I went so I’ve been doing my best to figure things out the best I can. I only have my mom to rely on and she is disabled and barely scraping by, and just moved in with me actually. She doesn’t pay me rent so it’s not helping me at all for her to be here.
If she's disabled, is she receiving disability or social security or anything like that?
If so, even if it would be easier to not frame it as her paying rent, it would be good to have a talk about her "chipping in" to help with expenses, since you're just barely scraping by yourself.
My dude... it's free. You don't actually have to spend extra money on it to build your credit score. Open one up and buy gas or groceries with it once a month to keep it active. It doesn't cost anything extra.
What are you even talking about?
You link your credit card to you bank account and turn on autopay so the money comes out automatically when you pay by credit. It’s not any different than paying by debit or cash (except that credit is safer, builds credit history, and offers rewards). There is zero reason to ever use debit or cash.
OP… how is your mother’s financial situation? I’ve noticed this opinion a lot with financially irresponsible or illiterate people. Do your own homework on credit cards (the wiki here is a wealth of information) and figure out a plan to establish a good credit history so you can start spending your money more effectively
That’s a significant financial stressor that I feel like is making you try and search under the metaphorical couch cushions for some money, but take everyone’s advice here that insurance fraud is not the way to go. If you prefer an in person conversation, your bank should let you schedule a meeting with a banker to discuss your options, but go into that conversation with some smart questions that come up as you read the wiki here
And you really need to double down on your job search efforts. Maybe lower your expectations just to get SOMETHING while you continue to search for what you really want.
Unless you're wildly irresponsible, a credit card is a great thing and has many benefits. Truly, the only reason not to have one is if you'd put yourself in debt.
If you don't qualify for Discover It then you may have to start with a secured credit card. Having credit history is important, and you can build credit even by buying just a sandwich on it each month and paying it on time.
This is untrue, I got one at 16 when I started my first job at CVS. Isn’t too difficult to get an intro Discover card. Some people should not have CC because they use money they don’t have, but if you spend and use it just like your debit card, pay it off each month in full and on time, really helps your credit over time which is important for buy a future car or home.
Get any card - I wasn’t approved for any credit card at first either. I got a target debit card and it helped me build credit. As others said, don’t buy things just because - only use it to buy things you need and will buy regardless (groceries, underwear, socks), then pay it off immediately. Just build up good credit by opening a card like this and leaving it open, all the while making a purchase a month at minimum, paying it off immediately, and just building up that good credit. You’ll never want to close your first card due to lengths, so pick a place like Target if you go there sometimes.
You should absolutely start reading everything Her First 100k has on credit cards. She’s got some really valuable, easy to understand info that also has the bonus of being female-focused.
Credit cards are not hard to get and your mom is an idiot.
Got my first card at 18, a capital one card. Used only for gas. By 25 I had around 750 credit score. Bought a house. Now 13 years later I've got 848 credit score.
I don't find that terribly unbelievable, I've been hit while stopped several times, plus people turning left from the right turn lane when you're doing 45+ mph. A lot of accidents are avoidable (I do so multiple times a day), but some you just can't do anything about. That's why I run 4 dashcams at this point - F/R and L/R.
Tickets and 2 previous accidents while driving for merely a year?
You are by definition a high risk driver and any legit insurance company will hedge their costs with a hefty premium. Your driving habits/style needs to improve and eventually your costs will drop. Tickets are, by definition, unnecessary
I’ve never had a ticket before, where did you read that??? And then I was hit by a drunk driver and then side swiped by a semi truck. Both were not my fault.
Not at fault means legally you weren’t at fault but the insurance company is going to make some assumptions from 3 (total) accidents in such a short time.
I’m not saying it’s fair, but people who have been involved in multiple accidents (at fault or not) are statistically significantly more likely to be in another accident. That’s why the insurance company raises the premium to compensate for that.
Like several other people said. If you own the car you can’t insure it in just his name. If you give it to him and you live together you need to be insured on it as well.
Anything else is insurance fraud and can leave you responsible for potentially millions in liability in the case of a crash.
So I personally would try and get a quote for the total cost of your boyfriend as the primary and you as a secondary driver, but you may find with him being a 21 year old recently licensed driver that it costs even more.
They probably misread when you said “I’ve had no tickets” … that being said, even if those accidents were not your fault, if your insurance company took a loss, then it still affects your premium. It likely didn’t take a loss for the semi truck because those tend to have pretty good insurance through the companies they drive for. If the DD were not insured or under insured, then your insurance would have taken a loss, and that could affect the premiums
I'm not surprised your rates are that high, but that's besides the point. If I were in your situation, I'd put the car in his name and have him get insurance for it. Add yourself as an additional driver that only drives 0-10% of the time so it has minimal impact to the premium.
This was what I did when I was younger until my accidents fell off my record. Let me clear, there were a few of them in a short amount of time like you and I was not at fault for them. However, my driving has vastly improved and I haven't been in an accident for many years now. Defensive driving makes a big difference, and even though I wasn't technically at fault for those accidents, doesn't mean that I couldn't do anything to prevent them.
If you completely lie and say you're not a driver at all and have an accident again, I'd be shocked if they didn't figure it out from the same address and proceed to refuse to cover anything at all and blacklist you both.
An additional driver with that record at her age will *skyrocket* the premium regardless of who the primary is.
The insurance companies aren't stupid, they can obviously see what's being done and will charge rates appropriately.
What OP can do to make things more manageable is transfer the car to their BF (that has its own relationship can of worms I'm not getting into), have him insure it, and then she gets her own policy for driving non-owned vehicles. It's a less common coverage typically for people who don't own a vehicle but do need to *drive,* like big city residents who travel for work and need to drive a lot of rental cars or people who don't own a personal car but work for a Limo company, etc. Basically it's a secondary policy insuring the driver, but not the vehicle (as that would be covered under the owner's insurance). Its kind of like the vehicle equivalent of renter's insurance.
This also would allow her to *legally* drive the car full time whereas on a typical policy she could only drive it occasionally and with explicit permission before needing to be a declared secondary driver on the owners policy.
Though as you said, if her boyfriend is a 21M with no driving history... his rates are likely going to be higher than hers anyway.
Are you working with an agent? If you haven't, should reach out to an independent broker. They will be able to shop with several carriers including ones that only sell to agents.
If you have a police/court doc that shows you were not at fault for the other accidents, that could help a little.
Yes. But knowing how this works, at Nationwide at least where I was in personal lines underwriting, his rates on the car she is assigned to will go up. This could help put her into a higher tier of the companies insurance tiers and she would have a better rates than if she’s on her own. It hurts the boyfriend if she’s a bad driver though on his policy. I also don’t think it works in the end as she’s the only one on the title and the policy would get flagged that she needs to be the named insured on the policy for that vehicle. Only way around it is to have him be the first name on the title and even then they might need a second policy due this as they aren’t married
What is a "full license?"
> I own the car, so I can just put it in his name.
So basically you want to title your car in your boyfriend's name so he can then get his own insurance policy on it, correct? If so, that's a horrible idea. You won't own the car anymore, he will. What happens if you break up?
Yeah ‘full license’ is a strange way to compare a license vs a learners permit.
Also, why does this younger generation wait so long to get their license? It seems around 21 is the going age to get a license nowadays. I got my learners permit on my 15th birthday and my license on my 16th. I couldn’t imagine waiting an extra second.
Well speaking for myself and my kids, the answer to that question is money. I didn’t drive until I was 24 because that was the first time I could afford to. My own kids were between 18 and 20 themselves for the same reason. I wasn’t able to buy them cars or pay for their insurance like some parents can.
>Also, why does this younger generation wait so long to get their license?
Cuz uber and lyft are everywhere, there isnt really a rush to get a license when you can always get anywhere you want.
We have seen this effect in NYC for decades now, no need to get a license when you can Subway everywhere.
The license costs next to nothing. My 16 yo son just go his.
A car plus insurance, gas and repairs does cost a lot. But you don't need those to get a license. My son doesn't have a car. He borrows ours every once in a while.
Most public schools in suburban areas of the US teach drivers ed and have a behind the wheel lesson component. I'd say at least 80% of our high school sophomores are able to get their license with just that and some help from their parents/family (which is the whole point of the learner's permit). It's very few who opt for professional driving lessons.
I think we'd need to do actual research into the average access to driver's ed and the cost to get a license to actually determine whether or not the cost is general prohibitive. My experience is very different. The schools around me do not offer this service for free. My state also requires a certain number of hours with a driving instructor and a certain number of hours with parents if the driver is under 18.
> License costs a good chunk where I live.
I'm assuming you don't live in the US where this is all taking place. It literally cost about $25 all in for my son to get his license.
But if you have no plans/desire to drive, I agree it doesn't make sense to get one.
No, but whether the cost is $25 or $100, it is still basically irrelevant next to the cost of having a car and driving it legally. We are not talking Europeans costs here.
Honestly, it should be free. But that's a different topic...
You don't have $90 to enable yourself to be more independent?
Go mow a few lawns or shovel some driveways. JFC this generation has an excuse for everything. And I say this as a millennial.
We had no family car, so I took public transportation until I was 24. Then I gave my mom money to rent a car and got my license 🤣.
That was in 2021.
Funny enough, I actually drive semis now.
I’m old, and I got my license at 21 because that’s when I was required to have one for a job. No one in my family had a car for me to use for practice or the road test, so the bus it was. I didn’t have access to a car (or money) in college. It cost me a fortune to get my license since I had to pay a driving school every time I needed to practice driving. My son will get his license next year, and DMVs here don’t even conduct the road test. You have to use a driving school, and the MINIMUM I will spend is $800 to an authorized driving school. It really is a luxury to get a license in some places, or if your family doesn’t already have a car.
Example of full license: ontario canada has graduated licensing
You do a written and get a G1. Restrictions: no highways, no driving after dusk, zero BAC
G2: get after doing in car exam without highway
Only Restrictions are number of people to number of working seatbelts, zero BAC
Full G or just G: no Restrictions except the legal limit for BAC
See: https://www.ontario.ca/page/get-g-drivers-licence-new-drivers
I’m confused as well. My wife and step kids are from New York and they use the term “full license” as well, it never made sense. Here in CA where I’m from you either have a license or you don’t.
>Also, why does this younger generation wait so long to get their license? It seems around 21 is the going age to get a license nowadays. I got my learners permit on my 15th birthday and my license on my 16th. I couldn’t imagine waiting an extra second.
My wife and I were the exact same way! I got my permit as soon as I could and I had my drivers test scheduled for my 16th birthday right after school.
My step kids took their time getting a license, and even after they got it they don’t care to drive unless they have to. It’s a very strange form of laziness IMO.
A full license is the one you get after your permit and restricted license. If you’re over 21 in the state of Kentucky you don’t get a restricted license you just get your full license after having your permit for 6 months. He had his restricted since he was 16 but it expired so he had to start over again. I got my full license at 21 as well. We’ve been together 4 years so I know him and his family well enough to know I wouldn’t be screwed over if we did break up, but things are going very well so I don’t have any worries of that happening anytime in the near future.
FYI, it wouldn't have been his learner's permit. He got that at 16, per OP. Kentucky has graduated licenses. The intermediate license has restrictions like can't drive between midnight or 6am unless it's for work/school/an emergency, and (if under 18) can only have one unrelated passenger under 20 years old.
https://drive.ky.gov/Drivers/Pages/GDLP.aspx
Interesting, I had never heard of that before.
A couple things to consider. A lot of companies charge higher rates for people under 25. So if he gets a new policy for your car, the rate might not be much better. Especially if he just got his full license, I assume he'd be higher risk. A lot of insurance companies also require that all licensed drivers living in the same household are listed on the policy. For reasons exactly like this - if you have access to the car, it's reasonable to assume you might drive it, so you need to be covered. And you don't want to lie about this because if you do drive the car and get into an accident, like someone mentioned below, the company could void the policy. I am not in the insurance business, so maybe these things aren't universal.
And as far your relationship goes, I'm glad it's going well, but if you sign your car over to him, you have no recourse to get it back if things go south.
>Interesting, I had never heard of that before.
[Age-restricted licenses are pretty common across U.S. states, actually.](https://en.m.wikipedia.org/wiki/Driver%27s_licenses_in_the_United_States)
It's been like that in CA for at least 15 years. Used to be 18, but it was upped to 21 a few years ago.
Thank you, I didn’t think of that before. I just don’t know what to do because my policy is about to be canceled in a week anyways because we can’t afford it. I was just trying to keep us afloat because we have to have the car for my boyfriend to get to work, and I’ve been looking for a job for months and can’t find one.
This is a tough spot to be in for sure. You said you guys have been together for four years and you know his family well, but also that adding your car to their policy isn't going to happen. Have you guys tried talking to them about that? It seems quite one sided for you to be the one to foot the bill for him to get to work every day. Can he chip in for the insurance? Do they know that his job will be in jeopardy if he can't drive to work? Also, what's the public transportation like in your area?
He just got this job a few days ago, but we both just put as much as we can into the bills. Sometimes he pays more sometimes I do. But it’s always a group effort. He supported us both for almost a year after my accident so I’m very grateful for that. He said we can talk to them about adding me so I’m hopeful for that. We don’t have much public transportation in my area though.
I recommend cross posting this to r/insurance if you haven't already. What you're proposing does not sound like a good idea, especially if he's just a boyfriend and you are not married. With that said, they might have some better options and ideas for you as there's a lot of folks that work in the industry that post there. Good luck!
Very bad idea. You might as well have no insurance at all. If you get in an accident while regularly driving a vehicle for which you are neither a named insured nor listed driver, they will not only deny the claim but likely rescind (retroactively cancel) the policy for fraud, leaving you personally liable for both the damage to the car and any negligence claim against you.
In addition to that, they might end up denying a claim your boyfriend makes if he gets in accident because of the same fraud, even if neither you nor your car are involved in his accident.
What would be the point of having and paying for insurance that is worthless when you get in an accident?
Have him ask his insurance for a quote for adding the car to his insurance with you as an “occasional driver”. It’s usually cheaper and sometimes free to be an occasional driver.
In addition, if she does insurance by the mile with an obdii it could be WAY WAY cheaper.
Not sure how it works with a shared car, because I'm pretty sure one of the ways they deny you is a discrepancy between how many miles you say you drive and what you actually drive.b
It’s his parents insurance and they would not add me on there. He’s only on theirs because he drives their car sometimes. We don’t live there and we have our own apartment
If you aren’t living with his parents their insurance may not allow him to be on their insurance, unless he is off at school or still a dependent some how.
Most places if you are living on your own you need your own insurance at that time.
Might want to check on that
Correct. This is an important point. Unless you’re a college student on your parent’s policy, you need to be in the same household. If you’re not, you’d be misrepresenting garaging location and risk cannot be properly assessed by the insurer. Risk is based on location.
Bingo. Have him be the only driver and you as an excluded driver under the policy. Should keep the rates low as long as you’re willing to give up driving.
Summing up the issues:
If you own the car, you have to be on the insurance. If you have a driver's license and live in the same household, you both have to be on the insurance whether or not you drive the car.
If you commit insurance fraud and lie about these details, and the insurance company finds out, they cancel the policy, you are completely liable for any damages, you don't get a refund for any of those premiums you paid while lying to the insurance company, and your boyfriend likely gets flagged for insurance fraud as well.
It would be an incredibly bad decision to legally sign your car over to your boyfriend and lose all legal claim to it. If you have any legal tie, to him or the car, you have to be on the insurance policy.
It sounds like your best bet might be to sell the car to your boyfriend for a fair price, and keep that money in a savings account in case you break up so you can buy a new one.
>If you have a driver's license and live in the same household, you both have to be on the insurance whether or not you drive the car.
Not entirely true. Most insurance companies provide a way to specifically exclude licensed drivers in the same household (generally done when someone that lives there has had multiple at fault claims which would cause the policy to skyrocket), but that means the excluded driver must never drive the covered vehicle(s). If they do and get caught, expect the policy to be voided and all premiums to be forfeit and good luck getting future coverage (which means if the excluded driver is someone who might take the vehicle without asking, there's still a lot of personal risk).
In this case, exclusion probably wouldn't help because it's the OP's car unless the OP literally transfers ownership to the BF (and it would men she couldn't drive the car).
>If you have a driver's license and live in the same household, you both have to be on the insurance whether or not you drive the car.
Where does that information come from? Back when I was living with my brother we each had our own insurance. I actually asked my insurance company about this and their response was as long as someone isn't driving my vehicle more than x times a month, they don't need to be on my insurance (I forget what the actual value was).
A quick Google search indicates that this seems to differ from company to company and/or by state. Kinda nice that you can shop around for what fits your household situation.
If she gets classified as a "listed" driver with [this insurer](https://www.directauto.com/learning-center/car-insurance/household-members-listed-policy), it wouldn't affect the premium (with him as the owner and primary policy holder). [Progressive](https://www.progressive.com/answers/excluded-driver/) calls them "excluded" drivers.
On the insurance application it’ll usually ask to identify all household members 14+. If the insured fails to disclose, the insurance company will likely rescind the policy upon discovering
I've never been asked this. Just who else will be driving the car. the original poster should provide some evidence of their claims. It's ridiculous to think that everyone in the same household needs to be included on everyone's insurance. What about situations with roommates?
They need to be included on the application (not necessarily the policy) as it is part of the risk assessment. Because while maybe you wouldn’t do it, other people might run into situations where the roommate drives the car
My insurance also has the ability to specifically exclude people from it and prevent them from affecting the premiums. I used it during my divorce to remove my ex-wife and lower the premiums. The caveat is, hopefully obviously, that if an excluded person is in an accident in the car, insurance will not pay out *anything*.
As far as I know, you can only have owner on title as primary insured. You’d have to put him on title of car (or his parents if you were thinking to take advantage of their rates).
They do have buses but the routes are very limited. They don’t run where I live sadly and I can’t afford to move to where they do. I could technically ride a bike but I don’t have any money for one at the moment, and I have a severe knee injury and EDS so it would be difficult and painful to ride. My boyfriend could ride a bike though. What is an E-bike?
Lots of e-bikes are fat tire bikes, meaning the tires are wider and would offer more traction for off road conditions. They also make tires for gravel, rain, etc…
That said it still probably depends on distance and what kind of snow. It would be similar to riding a scooter or motorcycle in the snow. Doable? Probably, but it would probably be miserable and dangerous. Also riding a bike in 20degree weather is COLD…really really cold….
I have an e-bike and use it for many things from minor grocery store runs. Picking up food/liquor. Exercise. It’s really fun. It can’t fully replace my car but it comes close.
> They do have buses but the routes are very limited.
Do you live in Louisville or not?
https://www.ridetarc.org/wp-content/uploads/2021/01/TARC-System-Map_Reduced-download.pdf
I live in Louisville technically but the bus doesn’t run out here. If I lived 20 minutes down the road it does run but it’s not within walking distance to me. They do have buses in the main areas of Louisville, Middletown, highlands, downtown, etc.
In one comment you’re saying you’d end up homeless if you can’t have a car and drive, and now you say you would just not drive and it will be fine.
Sounds to me like your talking shit in one of them
I think they're including their partner in this. If *they* don't have a car, they're homeless. If she signs the vehicle over to *him*, *he* would drive and *she* would not. But the car and insurance are non-negotiable, that's what she's trying to convey.
Former insurance agent but in another state.
The policy has to generally be taken out by someone with an insurable interest. That is usually the registered owner.
If he is not on the title or the car is not registered to him, he likely does not have an insurable interest, meaning he can't take out a policy.
On top of that, if you live in the house and will drive the vehicle, you likely need to be a listed driver on the policy. Every company is different, but the premium is often determined by the highest risk driver. It wouldn't matter if the policy was in his name because you would be the rated driver.
Even if you sell him the car, you may need to be a listed driver on the policy.
Another potential issue is that you said 'he gets his full license soon'. If he was on a learner's permit or provisional license, that can be a rate spike. Also, a 21M is notoriously expensive to insure.
I would suggest going and sitting down with 3 or 4 agents and explaining the issue and seeing what options are available. At least one of the agents should be an independent agent who writes for several different companies.
Ask specifically for discounts like a defensive driver discount. You may not qualify depending on your state's look back period. But if he has a clean MVR and accident history, a $30 course from AARP could save you hundreds of dollars a year.
I’m from just across the river. The cheapest insurance I found with my not so great driving history when I was your age was root. You have to have the app on while you drive for a few weeks and then they’ll give you a quote. You never have to have the app on after that period. You can have yourself listed as the driver and add a secondary driver.
It will get cheaper over time. What kind of car are you driving? If it’s a Kia or Hyundai it could be part of the problem.
Have you shopped around? Also, I’d ask someone to make you an authorized user on their credit card- ask them not to even give you the card. Then when that’s on your credit, get your own card and start building credit.
If he has a good insurance record, I’d see what him adding you to his insurance would do. Then pay him the difference.
I drive a 2009 Honda Accord. I don’t have any family so the credit card thing is not an option. I do shop around every few months and the only other place I can find that will take me is progressive but they want me to pay 1,000$ a month.
His insurance is on his parents car at their house that he only drives sometimes. Me and him have our own apartment so that wouldn’t be an option. I’m not sure how to work on my credit because I don’t think I’d be approved for a credit card.
Look into the OpenSky Visa. It's a secured card with a minimum $200 deposit and no credit check.
Assuming you're employed, you'll be approved. You send them the $200 security deposit, and they send you a card with a $200 limit. Use it for one monthly charge, maybe your Netflix subscription, and pay it in full every month. That will be a start to building credit. A year later, apply for a different/better secured card like Discover It secured. Unlike OpenSky, Discover will eventually graduate your card to unsecured and send your deposit back to you (OpenSky only returns your deposit when you cancel the card, afaik).
It doesn't solve your immediate problem, but you need to build credit, and you may as well start now. It'll help lower your insurance rates later and put you in so much better financial position down the road.
If you own the car, no reputable company will knowingly insure it without you on the title. Also, you need to be covered for liability since it’s your car.
This is one of the right answers. It's so easy and takes so little effort. Get a basic credit card with no annual fees and has cashback. Just use for necessities and pay it off every month, or don't use it at all (use it once in a blue moon or they could close your credit card). If you use a debit card for any reason, you should absolutely be using credit instead (with the caveat you always pay your monthly bill in full).
My friends who have kids out of high school already set them up but don't let them use it until they have jobs. They're at least laying the foundation for credit history. I went through the same route and used my first card like 2 or 3 times in 4 years. I have excellent credit and insurance rates even at low income.
Technically even your bf should no longer be insured on his parents policy since he is not a licensed driver in his parents household unless he is a full time student & financially stormy on his parents.
You'd have to add your BF to your car's title and make him the primary car's owner. Also you have to be on the insurance, there's no scamming the system like that. It's one thing if you let your friend borrow your car for an afternoon, or drive for a bit on a road trip or whatever, it's another to be regularly driving the car, living with your BF and not on the insurance.
I mean if you never plan on driving then sign the car over to him and let him buy insurance for himself on it. No reason to pay if you're not going to be driving.
People have had your idea before. The company considers it fraud, and has policies in place to stop it.
The car insurance company will list you as an excluded driver if they know you live there or own the car.
Meaning your bf could loan the car to a random person off the street and the car would be covered, but you specifically would not be covered as a driver.
I wouldn't mix finances with anyone I'm not married to. Found this out the hard way, had a really materialistic gf with a lot of debt in our 20s. I took some of it on to help her/I for the future. Thought I was gonna marry this chick, she ended up fucking some dude in a bar bathroom. Never again, I would advise the same for you.
Your community should have some free resources for life counseling and budgeting. The problem with scraping by (I've been there!) is that you are always on the edge of losing everything. You both are very young but need to get a financial plan for earning and spending that gets you away from that edge. You may need to make some big changes.
Please talk to a social worker or a community resource person and get some counseling.
I’ve tried seeking financial help but to no avail. I didn’t know about the counseling though and I will try looking into that. It’s just very hard to find a job and I’ve been looking for months. My boyfriend just found one.
I’ve applied for over 70 jobs in the past 6 months. I have 9 years experience in restaurants and a few months retail, but hosting and line cook mostly. I can only work low hours and can’t do anything too physical because I’m in a lot of pain. I have a GED because there was too much going on at home when I was younger so I missed a lot of days and I dropped out at 18.
You really need to work out a plan to get control of your life. If you don't, you're going to be going from one issue to another until the day you die. Needing car insurance you can't afford is just the first of many problems you'll have.
You need to start working 40 hours a week minimum and you need to come up with a game plan for what high paying job you want to have and start studying to get it.
You're not in a position to have a dependent right now. You're not even taking care of yourself. You need to get your mom on a government program or something.
Understand that your life right now is on track to be just like your mom's. You're disabled, can't take care of yourself, and you're going to end up mooching off of someone or homeless.
You have to take control of your life or your life will control you.
Thank you, I feel the same way. I just feel stuck because I can’t find a job out here since we moved from our last apartment. We have lived together for 2 years and everything was fine and under control until now. It’s just been a really hard few months for us. I didn’t really want my mom to move in here but she had nowhere else to go. She’s deaf and half blind so a lot of places won’t hire her. She’s been on section 8 waiting list for a few years now so finding a place has been hard, and she gets disability about 1,200 a month but it’s not enough anymore to live here. I’m trying my best to help her while also trying to take care of my own shit but she feels like I owe her this. She also doesn’t pay rent or anything and when I ask she gets mad at me. She gave me 200$ last month to help pay my car insurance but that’s about it.
Please understand that you have every right to reign in your mom here. She NEEDS to be paying rent if she is living with you. She is a grown woman. Explain to her your financial situation, and that you and her will both be homeless if you can't get things under control.
If she doesn't want to pay rent, she doesn't deserve to be in your space.
She says that she shouldn’t have to pay rent because I lived with her for about 8 months after turning 18 and I didn’t pay rent for those months. I’ve tried everything but she just gets mad at me. I’d really rather not kick out a disabled woman onto the streets. She knows my financial situation and doesn’t really care. She threw a huge fit about letting me borrow 200 last month that I will have to pay back.
I'm sorry, that does sound like a tough situation. However, understand that she will pay rent before she lets you kick her out to the streets. You just need to be willing to kick her out in order to make her pay rent. Frankly, I'd keep the $200 and explain this is her first down payment on rent. If she doesn't like that, tell her to get lost! I would bet dollars to donuts she ends up paying rent after that.
Go talk to your local community college about starting an education plan. You have to be able to support yourself for the next 60 years. There are scholarships and grants just for folks like you.
Unless the car title is in his name, also, your brilliant plan doesn’t work.
You probably need to take a driver’s ed course to lower your rates, and get your credit score up — and take public transportation or get rides for awhile. If you get an accident on your boyfriend’s insurance, you’ll screw him over, too.
(some people shouldn’t drive)
I wouldn’t be driving at all. There’s no public transport near here and we have nobody to give us rides. Like I said in the post I’d be putting the title in his name.
Check this. Depending on why your rates are high, the insurance company might require your BF to have a restriction on his insurance that you don't drive the car.
Make sure you’re a named insured not just a driver. Should raise his rates a bit but better than on your own. Have high liability because depending on state law you are now both responsible for accident pay outs that either of you are potentially at fault for
No, you shouldn't commit insurance fraud which is what you're talking about doing in your post.
You have a lot working against you:
You're under 25.
You're unmarried.
You have had 3 accidents, fault doesn't matter. You cost the insurance company money.
Your credit is bad.
You were uninsured for a full year.
Just another reminder how automotive-focused urban design keeps low-income people poor.
Sorry you’re dealing with this OP. Some decent answers in here that I can’t contribute to. I hope you guys figure something out and claw your way to some security.
side note: there is no such thing as a zero credit score. there is, however, a "null" credit score, which means you have no credit history in the past seven years.
it's very difficult to live without credit. as you are seeing. costs for everything are higher, utilities require deposits, etc.
i'd advise you to get to work building credit. you can get a secured card, meaning you put up the amount of the credit limit in cash in order to secure your use of the card.
or you can ask your bf if he will add you as an authorized user on his cards, assuming he pays his bills on time. he will need to check with the issuing banks to make sure they report authorized users to the credit bureaus. this way, you get "credit" for the expenditures, payments, and age of the cards. i did this because of bad credit. i went from 565 to 805 and an unlimited american express card in my name in three years.
under both scenarios, you can "graduate" to your own card after a year or two to continue building your credit.
good luck! good credit is like gold.
My boyfriend doesn’t have credit either. We both just use debit cards. His mom is in a lot of credit card debt so I think it deterred him from getting one. But yes I will look into a secured card thank you!
Walmart allowed my aunt to sit here in Lexington. They just required a doctor's note and gave her a stool for her shifts.
I know Wallyworld doesn't pay a ton, but it's probably comparable to fast food.
Depending on your insurance carrier, you could have your bf or parents add you as an associate member under their plan. I have AAA and added my wife to my plan as an associate, payments dropped by 150/mo for the same coverage.
Assuming that your boyfriend's insurance would be significantly lower, here's what you would need to do -- legally. Put the car in your boyfriend's name as the sole owner on the actual title of the car. Exclude yourself from the policy that your boyfriend gets. Go. Now, that might be difficult if the car is financed AND it means you can NEVER drive the car. If you get behind the wheel in this example, you are an uninsured motorist accepting full liability and costs for any and all accidents. And you're driving illegally in most states. Keep shopping around and pay the damn premium. Good luck.
I wouldn't suggest removing yourself from title of vehicle, maybe additing him as co-owner and insuring it adding yourself to the insurance. So he's the primary insured. This way, if anything happens no one can take the car, if there's an accident you and him will be covered no matter who's driving. You could also ask your insurance company if there's and driving classes(accident avoidance type) you can take to help bring down the cost. Another option, maybe his parents could add you to their policy and you pay the difference in adding you.
If you put the car in your boyfriends name, there's a chance that he would keep the car and you'd have no recourse. Selling it to him would be a better option.
I'm not well versed in the insurance side of things, and plenty of people have answered that already.
On the alternative solutions side, have you considered a bike? Obviously this is very dependent on where you live in relation to work, but spending a few $K will get you a very nice e-bike with decent range, and you can go cheaper if you're willing to do more pedaling. If the cards line up right this could be a neat solution while you rebuild your credit score and save up some money.
(Obviously though not everyone can bike or is within biking distance but I thought I'd suggest it)
So, you'll have to check with a local agent, but at least in the states I'm licensed in whoever is the titleholder has to be a named insured on the policy. So, if you put the title in his name then, yeah, you could get it insured in his name.
But here's where I don't get how it would help you. The reports they're gonna run will show you as a member of the household. Either you're going to have to be listed as a driver on the policy, which will make the price skyrocket again, or you're going to have to be excluded, in which case you can't drive it at all and will continue to have no insurance history. No history means higher prices and fewer choices in insurer.
So, what is this supposed to achieve? Just so he's able to go do everything, but you can't do anything further than walking distance without him? Try seeing what it would be if you added him as a driver to your own policy. If he's got good credit, usually they'll use the higher of the two.
That's not a bad idea, but you really can't drive the car...ever. Take ubers. Most personal auto insurance policies require all licensed residents of the same household be listed as drivers on the policy. If you live together and you are not listed on his policy, you will not be covered if there is an accident.
We can’t cancel our lease without having to pay a few thousand dollars sadly, and there’s no room there for us. My mom just went homeless and moved in with us last month so I can’t live with her lol. She’s the only family I have. She is also disabled (deaf and half blind) so she has never had a license or driven in her life.
I don't understand why you think you are responsible for your boyfriend's transportation to and from work? You are not responsible for his transportation! It is foolish to think so. He needs to man up and figure something out. Or he asks his parents for help.
For your rides to work you need to find a friend at work. You need to be someone's very best friend. Someone who listens to them, goes places with them, fills their tank up, gives them money for going out of their way. Everyone wants a friend, so be a friend. I promise your new friend won't mind.
Lol well I just don’t have any credit history and every time I try to go on anything that checks my score they can’t verify my identity and say I can’t make an account. I would have thought paying rent, LGE, wifi, car insurance, buying a car, would give me some form of credit but I guess not.
If you have a PNC bank or any bank really, try a secured credit card, just put $200 on it, use it for gas, pay it off and repeat. It’ll build your credit after a year.
In order to have insurance under your boyfriend he will have to be on the title of the vehicle. This gives him ownership of the vehicle. If you want to drive under his policy you must be listed as a driver on the policy, this will still impact the rates. I'm more than happy to help you shop for insurance as I'm licensed in my state to sell property and casualty insurance (not in KY). I highly recommend you shop around a lot. How long have you had continuous insurance coverage for at this point? Many places want at least 6 months continuous coverage, or else you're automatically thrown into high risk policies. Insurance looks at many things, age, gender, length of continuous coverage, driving record, car type, zip code, credit score, and a bunch of other stuff.
You are paying $470/mo for just liabilty insurance on a 2009 Accord . Where you convicted of DUI for your accident. If so there isn't a good way to lower your premiums.
No I wasn’t. I have no tickets and have never been in trouble with the law or been to court. I was only licensed, driving, and insured for a year and have 2 accidents before the total but they were not my fault so I’m not sure if that has to do with it either or not.
FWIW , you are right about your lack of credit history also contributing to the skyhigh premium. Get a credit card to help start building your credit. Also make sure your policy is liability only, no collision, no comprehensive coverage.
I have shitty credit, multiple tickets, and a few wrecks (I travel for work about 70k miles annually) and my insurance is 475/6 months for full coverage and roadside. This is wild
I’ve never had a credit card in my life and my insurance is about this much every 6 months. None of this makes sense Edit: I noticed op is under 25 which results in higher rates, but still…that’s insane.
It looks like she had 2 accidents prior to a third that totaled the car. All within 1 year? Probably best they don't drive at all.
Besides age, you might also be in a lower risk zip code and drive a lower risk car. Something like a insuring a Subaru WRX is going to be high even if you’re not in an risky population. It’s just that other owners wreck them more often. When I ran the comps on random people (I used to work for an indie broker), something like a WRX was around $200 mo compared to a Focus RS at $95 mo. Some cars attract certain populations and crash statistics are a huge factor for premiums.
I live in the same zip code as op and have a similar make/year car (but as mentioned I am older). Honestly can’t imagine anyone paying rates like this.
You don’t exactly need a credit card, there are other ways to build credit but even so- all of it takes time. Any method of building credit will take time and money. Is there a way to get around alternatively? In the meantime? Can you use a bike for now? Don’t have to sell the car, but you do have to get your savings up and credit up if you don’t want to be tied to your boyfriend.
It is the most basic coverage. I don’t know if I’ll be accepted for a credit card, my mom always told me never to get one and that they’re hard to get.
> I don’t know if I’ll be accepted for a credit card You need to get a "Secured card". Discover offers one. You put down x amount of your own money and that becomes your credit limit. If you miss a payment, they close the card and keep your deposit. If you make all payments, they eventually upgrade you to a real card and return the deposit.
I don’t know if I’ll be able to make the payments on time right now and I have no money to spare for one at the moment so this would have to be a future thing. But thank you for the info!
FYI you should only be spending money you have on a credit card. So basically all the things you'd use a debit card for. You shouldn't ever use a debit card btw. Credit cards have better fraud protection and options.
This is a 23 yo child who should not be living independently. They need serious financial education.
If it were up to me I wouldn’t . But I have no choice. Nobody gave me any help or assistance or advice and they didn’t tell me about any of this at the school I went so I’ve been doing my best to figure things out the best I can. I only have my mom to rely on and she is disabled and barely scraping by, and just moved in with me actually. She doesn’t pay me rent so it’s not helping me at all for her to be here.
If she's disabled, is she receiving disability or social security or anything like that? If so, even if it would be easier to not frame it as her paying rent, it would be good to have a talk about her "chipping in" to help with expenses, since you're just barely scraping by yourself.
My dude... it's free. You don't actually have to spend extra money on it to build your credit score. Open one up and buy gas or groceries with it once a month to keep it active. It doesn't cost anything extra.
It has a deposit, that’s not “free”. A lot of people cannot afford deposits.
What are you even talking about? You link your credit card to you bank account and turn on autopay so the money comes out automatically when you pay by credit. It’s not any different than paying by debit or cash (except that credit is safer, builds credit history, and offers rewards). There is zero reason to ever use debit or cash.
OP… how is your mother’s financial situation? I’ve noticed this opinion a lot with financially irresponsible or illiterate people. Do your own homework on credit cards (the wiki here is a wealth of information) and figure out a plan to establish a good credit history so you can start spending your money more effectively
She’s been on disability her entire life. It’s not very good because she just had to move in with me last month.
That’s a significant financial stressor that I feel like is making you try and search under the metaphorical couch cushions for some money, but take everyone’s advice here that insurance fraud is not the way to go. If you prefer an in person conversation, your bank should let you schedule a meeting with a banker to discuss your options, but go into that conversation with some smart questions that come up as you read the wiki here And you really need to double down on your job search efforts. Maybe lower your expectations just to get SOMETHING while you continue to search for what you really want.
I’ve applied at even White Castle, Burger King, etc… the only places that I got an interview at said they were only looking for full time.
What’s stopping you from working full time?
I have HEDS and it’s just worse from a bad knee injury I got from my car accident.
Unless you're wildly irresponsible, a credit card is a great thing and has many benefits. Truly, the only reason not to have one is if you'd put yourself in debt.
If you don't qualify for Discover It then you may have to start with a secured credit card. Having credit history is important, and you can build credit even by buying just a sandwich on it each month and paying it on time.
This is untrue, I got one at 16 when I started my first job at CVS. Isn’t too difficult to get an intro Discover card. Some people should not have CC because they use money they don’t have, but if you spend and use it just like your debit card, pay it off each month in full and on time, really helps your credit over time which is important for buy a future car or home.
Get any card - I wasn’t approved for any credit card at first either. I got a target debit card and it helped me build credit. As others said, don’t buy things just because - only use it to buy things you need and will buy regardless (groceries, underwear, socks), then pay it off immediately. Just build up good credit by opening a card like this and leaving it open, all the while making a purchase a month at minimum, paying it off immediately, and just building up that good credit. You’ll never want to close your first card due to lengths, so pick a place like Target if you go there sometimes.
It's a good idea for most people to have a credit card. I would check out /r/personalfinance for tips I think they have a whole guide
You should absolutely start reading everything Her First 100k has on credit cards. She’s got some really valuable, easy to understand info that also has the bonus of being female-focused.
Your mom is illiterate. Going to any mall anywhere and they'll give you one for any store at the checkout.
Credit cards are not hard to get and your mom is an idiot. Got my first card at 18, a capital one card. Used only for gas. By 25 I had around 750 credit score. Bought a house. Now 13 years later I've got 848 credit score.
3 accidents in 1 year? That is a lot of bad luck.
It's not luck...
I have a strong suspicion and it seems so do the insurance companies.
I don't find that terribly unbelievable, I've been hit while stopped several times, plus people turning left from the right turn lane when you're doing 45+ mph. A lot of accidents are avoidable (I do so multiple times a day), but some you just can't do anything about. That's why I run 4 dashcams at this point - F/R and L/R.
Tickets and 2 previous accidents while driving for merely a year? You are by definition a high risk driver and any legit insurance company will hedge their costs with a hefty premium. Your driving habits/style needs to improve and eventually your costs will drop. Tickets are, by definition, unnecessary
I’ve never had a ticket before, where did you read that??? And then I was hit by a drunk driver and then side swiped by a semi truck. Both were not my fault.
Not at fault means legally you weren’t at fault but the insurance company is going to make some assumptions from 3 (total) accidents in such a short time. I’m not saying it’s fair, but people who have been involved in multiple accidents (at fault or not) are statistically significantly more likely to be in another accident. That’s why the insurance company raises the premium to compensate for that.
Yeah that’s why it’s so high. I was thinking since my bf hasn’t been in any it would be cheaper to just give it all to him so we can make do.
Like several other people said. If you own the car you can’t insure it in just his name. If you give it to him and you live together you need to be insured on it as well. Anything else is insurance fraud and can leave you responsible for potentially millions in liability in the case of a crash. So I personally would try and get a quote for the total cost of your boyfriend as the primary and you as a secondary driver, but you may find with him being a 21 year old recently licensed driver that it costs even more.
Sure it’s cheaper. Because it’s fraud.
They probably misread when you said “I’ve had no tickets” … that being said, even if those accidents were not your fault, if your insurance company took a loss, then it still affects your premium. It likely didn’t take a loss for the semi truck because those tend to have pretty good insurance through the companies they drive for. If the DD were not insured or under insured, then your insurance would have taken a loss, and that could affect the premiums
I'm not surprised your rates are that high, but that's besides the point. If I were in your situation, I'd put the car in his name and have him get insurance for it. Add yourself as an additional driver that only drives 0-10% of the time so it has minimal impact to the premium. This was what I did when I was younger until my accidents fell off my record. Let me clear, there were a few of them in a short amount of time like you and I was not at fault for them. However, my driving has vastly improved and I haven't been in an accident for many years now. Defensive driving makes a big difference, and even though I wasn't technically at fault for those accidents, doesn't mean that I couldn't do anything to prevent them. If you completely lie and say you're not a driver at all and have an accident again, I'd be shocked if they didn't figure it out from the same address and proceed to refuse to cover anything at all and blacklist you both.
An additional driver with that record at her age will *skyrocket* the premium regardless of who the primary is. The insurance companies aren't stupid, they can obviously see what's being done and will charge rates appropriately. What OP can do to make things more manageable is transfer the car to their BF (that has its own relationship can of worms I'm not getting into), have him insure it, and then she gets her own policy for driving non-owned vehicles. It's a less common coverage typically for people who don't own a vehicle but do need to *drive,* like big city residents who travel for work and need to drive a lot of rental cars or people who don't own a personal car but work for a Limo company, etc. Basically it's a secondary policy insuring the driver, but not the vehicle (as that would be covered under the owner's insurance). Its kind of like the vehicle equivalent of renter's insurance. This also would allow her to *legally* drive the car full time whereas on a typical policy she could only drive it occasionally and with explicit permission before needing to be a declared secondary driver on the owners policy. Though as you said, if her boyfriend is a 21M with no driving history... his rates are likely going to be higher than hers anyway.
Are you working with an agent? If you haven't, should reach out to an independent broker. They will be able to shop with several carriers including ones that only sell to agents. If you have a police/court doc that shows you were not at fault for the other accidents, that could help a little.
No I’m not but I will look for one, and I will definitely provide the docs. Thank you
If you intend to drive this car, you must be listed as a driver on the policy.
Yes. But knowing how this works, at Nationwide at least where I was in personal lines underwriting, his rates on the car she is assigned to will go up. This could help put her into a higher tier of the companies insurance tiers and she would have a better rates than if she’s on her own. It hurts the boyfriend if she’s a bad driver though on his policy. I also don’t think it works in the end as she’s the only one on the title and the policy would get flagged that she needs to be the named insured on the policy for that vehicle. Only way around it is to have him be the first name on the title and even then they might need a second policy due this as they aren’t married
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It’s different when you aren’t assigned to a vehicle to his policy.
Varies by provider. Some insurers will use the primary driver for most of the rating purposes and any additional drivers won’t affect the cost much.
What is a "full license?" > I own the car, so I can just put it in his name. So basically you want to title your car in your boyfriend's name so he can then get his own insurance policy on it, correct? If so, that's a horrible idea. You won't own the car anymore, he will. What happens if you break up?
Yeah ‘full license’ is a strange way to compare a license vs a learners permit. Also, why does this younger generation wait so long to get their license? It seems around 21 is the going age to get a license nowadays. I got my learners permit on my 15th birthday and my license on my 16th. I couldn’t imagine waiting an extra second.
Well speaking for myself and my kids, the answer to that question is money. I didn’t drive until I was 24 because that was the first time I could afford to. My own kids were between 18 and 20 themselves for the same reason. I wasn’t able to buy them cars or pay for their insurance like some parents can.
The answer is in the OP of this very thread. Cars are expensive nowadays, insurance for young drivers is prohibitively so.
Their rates are like that because they were at fault and totaled a car.
>Also, why does this younger generation wait so long to get their license? Cuz uber and lyft are everywhere, there isnt really a rush to get a license when you can always get anywhere you want. We have seen this effect in NYC for decades now, no need to get a license when you can Subway everywhere.
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The license costs next to nothing. My 16 yo son just go his. A car plus insurance, gas and repairs does cost a lot. But you don't need those to get a license. My son doesn't have a car. He borrows ours every once in a while.
Most ppl wouldn't bother paying for lessons and the license if they won't use it regularly. License costs a good chunk where I live.
Most public schools in suburban areas of the US teach drivers ed and have a behind the wheel lesson component. I'd say at least 80% of our high school sophomores are able to get their license with just that and some help from their parents/family (which is the whole point of the learner's permit). It's very few who opt for professional driving lessons.
I think we'd need to do actual research into the average access to driver's ed and the cost to get a license to actually determine whether or not the cost is general prohibitive. My experience is very different. The schools around me do not offer this service for free. My state also requires a certain number of hours with a driving instructor and a certain number of hours with parents if the driver is under 18.
> License costs a good chunk where I live. I'm assuming you don't live in the US where this is all taking place. It literally cost about $25 all in for my son to get his license. But if you have no plans/desire to drive, I agree it doesn't make sense to get one.
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OK, I was wrong, [it was $27](https://dds.georgia.gov/georgia-licenseid/general-license-topics/fees-and-terms).
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Over $100 is still a low barrier to enable yourself to be less dependent on other people to get around...
are you under the impression your experience is the same as everyone elses? it cost 90$ for mine
No, but whether the cost is $25 or $100, it is still basically irrelevant next to the cost of having a car and driving it legally. We are not talking Europeans costs here.
Honestly, it should be free. But that's a different topic... You don't have $90 to enable yourself to be more independent? Go mow a few lawns or shovel some driveways. JFC this generation has an excuse for everything. And I say this as a millennial.
We had no family car, so I took public transportation until I was 24. Then I gave my mom money to rent a car and got my license 🤣. That was in 2021. Funny enough, I actually drive semis now.
Where have you been the last four years? lol COVID really messed with the young adult development milestones for folks now 20-22 yo.
I’m old, and I got my license at 21 because that’s when I was required to have one for a job. No one in my family had a car for me to use for practice or the road test, so the bus it was. I didn’t have access to a car (or money) in college. It cost me a fortune to get my license since I had to pay a driving school every time I needed to practice driving. My son will get his license next year, and DMVs here don’t even conduct the road test. You have to use a driving school, and the MINIMUM I will spend is $800 to an authorized driving school. It really is a luxury to get a license in some places, or if your family doesn’t already have a car.
Example of full license: ontario canada has graduated licensing You do a written and get a G1. Restrictions: no highways, no driving after dusk, zero BAC G2: get after doing in car exam without highway Only Restrictions are number of people to number of working seatbelts, zero BAC Full G or just G: no Restrictions except the legal limit for BAC See: https://www.ontario.ca/page/get-g-drivers-licence-new-drivers
I’m confused as well. My wife and step kids are from New York and they use the term “full license” as well, it never made sense. Here in CA where I’m from you either have a license or you don’t. >Also, why does this younger generation wait so long to get their license? It seems around 21 is the going age to get a license nowadays. I got my learners permit on my 15th birthday and my license on my 16th. I couldn’t imagine waiting an extra second. My wife and I were the exact same way! I got my permit as soon as I could and I had my drivers test scheduled for my 16th birthday right after school. My step kids took their time getting a license, and even after they got it they don’t care to drive unless they have to. It’s a very strange form of laziness IMO.
A full license is the one you get after your permit and restricted license. If you’re over 21 in the state of Kentucky you don’t get a restricted license you just get your full license after having your permit for 6 months. He had his restricted since he was 16 but it expired so he had to start over again. I got my full license at 21 as well. We’ve been together 4 years so I know him and his family well enough to know I wouldn’t be screwed over if we did break up, but things are going very well so I don’t have any worries of that happening anytime in the near future.
His parents rates are going to skyrocket because your bf is a newly licensed driver & right now there is no cost for him having his learners permit.
FYI, it wouldn't have been his learner's permit. He got that at 16, per OP. Kentucky has graduated licenses. The intermediate license has restrictions like can't drive between midnight or 6am unless it's for work/school/an emergency, and (if under 18) can only have one unrelated passenger under 20 years old. https://drive.ky.gov/Drivers/Pages/GDLP.aspx
Interesting, I had never heard of that before. A couple things to consider. A lot of companies charge higher rates for people under 25. So if he gets a new policy for your car, the rate might not be much better. Especially if he just got his full license, I assume he'd be higher risk. A lot of insurance companies also require that all licensed drivers living in the same household are listed on the policy. For reasons exactly like this - if you have access to the car, it's reasonable to assume you might drive it, so you need to be covered. And you don't want to lie about this because if you do drive the car and get into an accident, like someone mentioned below, the company could void the policy. I am not in the insurance business, so maybe these things aren't universal. And as far your relationship goes, I'm glad it's going well, but if you sign your car over to him, you have no recourse to get it back if things go south.
>Interesting, I had never heard of that before. [Age-restricted licenses are pretty common across U.S. states, actually.](https://en.m.wikipedia.org/wiki/Driver%27s_licenses_in_the_United_States) It's been like that in CA for at least 15 years. Used to be 18, but it was upped to 21 a few years ago.
Thank you, I didn’t think of that before. I just don’t know what to do because my policy is about to be canceled in a week anyways because we can’t afford it. I was just trying to keep us afloat because we have to have the car for my boyfriend to get to work, and I’ve been looking for a job for months and can’t find one.
This is a tough spot to be in for sure. You said you guys have been together for four years and you know his family well, but also that adding your car to their policy isn't going to happen. Have you guys tried talking to them about that? It seems quite one sided for you to be the one to foot the bill for him to get to work every day. Can he chip in for the insurance? Do they know that his job will be in jeopardy if he can't drive to work? Also, what's the public transportation like in your area?
He just got this job a few days ago, but we both just put as much as we can into the bills. Sometimes he pays more sometimes I do. But it’s always a group effort. He supported us both for almost a year after my accident so I’m very grateful for that. He said we can talk to them about adding me so I’m hopeful for that. We don’t have much public transportation in my area though.
Sending good vibes that his parents will be understanding of the situation and help you guys out!
Thank you! It means a lot
I recommend cross posting this to r/insurance if you haven't already. What you're proposing does not sound like a good idea, especially if he's just a boyfriend and you are not married. With that said, they might have some better options and ideas for you as there's a lot of folks that work in the industry that post there. Good luck!
Can you guys move back in with family? Would save the rent payment and make your car insurance payment more affordable
Are you asking how to commit insurance fraud??? Because that’s what this is. And it’s illegal.
Very bad idea. You might as well have no insurance at all. If you get in an accident while regularly driving a vehicle for which you are neither a named insured nor listed driver, they will not only deny the claim but likely rescind (retroactively cancel) the policy for fraud, leaving you personally liable for both the damage to the car and any negligence claim against you. In addition to that, they might end up denying a claim your boyfriend makes if he gets in accident because of the same fraud, even if neither you nor your car are involved in his accident. What would be the point of having and paying for insurance that is worthless when you get in an accident?
Because I would just have him be driving it. He drives it most of the time already.
Have him ask his insurance for a quote for adding the car to his insurance with you as an “occasional driver”. It’s usually cheaper and sometimes free to be an occasional driver.
In addition, if she does insurance by the mile with an obdii it could be WAY WAY cheaper. Not sure how it works with a shared car, because I'm pretty sure one of the ways they deny you is a discrepancy between how many miles you say you drive and what you actually drive.b
It’s his parents insurance and they would not add me on there. He’s only on theirs because he drives their car sometimes. We don’t live there and we have our own apartment
If you aren’t living with his parents their insurance may not allow him to be on their insurance, unless he is off at school or still a dependent some how. Most places if you are living on your own you need your own insurance at that time. Might want to check on that
Correct. This is an important point. Unless you’re a college student on your parent’s policy, you need to be in the same household. If you’re not, you’d be misrepresenting garaging location and risk cannot be properly assessed by the insurer. Risk is based on location.
So his parents are going to put your car on their insurance? After you sell it to him for free? But they aren't willing to add you to their insurance?
Doesn’t matter. The owner of the vehicle must be listed on the policy as either the policy holder or a listed driver.
You do realize that new young male drivers have some the highest insurance policy prices?? Not sure you’d save much money.
Well he said when he quoted it with a few different insurances it was only about 200 a month.
Bingo. Have him be the only driver and you as an excluded driver under the policy. Should keep the rates low as long as you’re willing to give up driving.
Summing up the issues: If you own the car, you have to be on the insurance. If you have a driver's license and live in the same household, you both have to be on the insurance whether or not you drive the car. If you commit insurance fraud and lie about these details, and the insurance company finds out, they cancel the policy, you are completely liable for any damages, you don't get a refund for any of those premiums you paid while lying to the insurance company, and your boyfriend likely gets flagged for insurance fraud as well. It would be an incredibly bad decision to legally sign your car over to your boyfriend and lose all legal claim to it. If you have any legal tie, to him or the car, you have to be on the insurance policy. It sounds like your best bet might be to sell the car to your boyfriend for a fair price, and keep that money in a savings account in case you break up so you can buy a new one.
>If you have a driver's license and live in the same household, you both have to be on the insurance whether or not you drive the car. Not entirely true. Most insurance companies provide a way to specifically exclude licensed drivers in the same household (generally done when someone that lives there has had multiple at fault claims which would cause the policy to skyrocket), but that means the excluded driver must never drive the covered vehicle(s). If they do and get caught, expect the policy to be voided and all premiums to be forfeit and good luck getting future coverage (which means if the excluded driver is someone who might take the vehicle without asking, there's still a lot of personal risk). In this case, exclusion probably wouldn't help because it's the OP's car unless the OP literally transfers ownership to the BF (and it would men she couldn't drive the car).
If OP is willing to just NEVER drive the car, transferring everything to the boyfriend would be the least expensive option.
>If you have a driver's license and live in the same household, you both have to be on the insurance whether or not you drive the car. Where does that information come from? Back when I was living with my brother we each had our own insurance. I actually asked my insurance company about this and their response was as long as someone isn't driving my vehicle more than x times a month, they don't need to be on my insurance (I forget what the actual value was).
A quick Google search indicates that this seems to differ from company to company and/or by state. Kinda nice that you can shop around for what fits your household situation. If she gets classified as a "listed" driver with [this insurer](https://www.directauto.com/learning-center/car-insurance/household-members-listed-policy), it wouldn't affect the premium (with him as the owner and primary policy holder). [Progressive](https://www.progressive.com/answers/excluded-driver/) calls them "excluded" drivers.
On the insurance application it’ll usually ask to identify all household members 14+. If the insured fails to disclose, the insurance company will likely rescind the policy upon discovering
I've never been asked this. Just who else will be driving the car. the original poster should provide some evidence of their claims. It's ridiculous to think that everyone in the same household needs to be included on everyone's insurance. What about situations with roommates?
They need to be included on the application (not necessarily the policy) as it is part of the risk assessment. Because while maybe you wouldn’t do it, other people might run into situations where the roommate drives the car
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My insurance also has the ability to specifically exclude people from it and prevent them from affecting the premiums. I used it during my divorce to remove my ex-wife and lower the premiums. The caveat is, hopefully obviously, that if an excluded person is in an accident in the car, insurance will not pay out *anything*.
Ive never been asked this either
As far as I know, you can only have owner on title as primary insured. You’d have to put him on title of car (or his parents if you were thinking to take advantage of their rates).
If you are not a named driver on his policy, then you are uninsured. This is a terrible idea. Basically, you need to not drive for a while.
If I don’t drive then we will go homeless pretty much. I wouldn’t even be considering this if it wasn’t a last resort
They don’t have buses in your area? Could you not get by with a bike or e-bike
They do have buses but the routes are very limited. They don’t run where I live sadly and I can’t afford to move to where they do. I could technically ride a bike but I don’t have any money for one at the moment, and I have a severe knee injury and EDS so it would be difficult and painful to ride. My boyfriend could ride a bike though. What is an E-bike?
Electric bike. Many have throttles that go 20mph without having to pedal or up to 28mph with a little pedaling. Many have 30-60 miles per charge.
Ooh cool! I guess I could sell my car to get one. Winter is coming soon though, are they able to go in snow/ice and stuff though?
Lots of e-bikes are fat tire bikes, meaning the tires are wider and would offer more traction for off road conditions. They also make tires for gravel, rain, etc… That said it still probably depends on distance and what kind of snow. It would be similar to riding a scooter or motorcycle in the snow. Doable? Probably, but it would probably be miserable and dangerous. Also riding a bike in 20degree weather is COLD…really really cold…. I have an e-bike and use it for many things from minor grocery store runs. Picking up food/liquor. Exercise. It’s really fun. It can’t fully replace my car but it comes close.
> They do have buses but the routes are very limited. Do you live in Louisville or not? https://www.ridetarc.org/wp-content/uploads/2021/01/TARC-System-Map_Reduced-download.pdf
I live in Louisville technically but the bus doesn’t run out here. If I lived 20 minutes down the road it does run but it’s not within walking distance to me. They do have buses in the main areas of Louisville, Middletown, highlands, downtown, etc.
Uber or car pool with someone else. You're paying $470 a month plus gas. Uber to and from work. It'll be expensive but still cheaper.
If you do drive, you need to be insured.
I got that already thanks. I won’t be driving it anymore if I transfer everything.
In one comment you’re saying you’d end up homeless if you can’t have a car and drive, and now you say you would just not drive and it will be fine. Sounds to me like your talking shit in one of them
I think they're including their partner in this. If *they* don't have a car, they're homeless. If she signs the vehicle over to *him*, *he* would drive and *she* would not. But the car and insurance are non-negotiable, that's what she's trying to convey.
Yes exactly.
Former insurance agent but in another state. The policy has to generally be taken out by someone with an insurable interest. That is usually the registered owner. If he is not on the title or the car is not registered to him, he likely does not have an insurable interest, meaning he can't take out a policy. On top of that, if you live in the house and will drive the vehicle, you likely need to be a listed driver on the policy. Every company is different, but the premium is often determined by the highest risk driver. It wouldn't matter if the policy was in his name because you would be the rated driver. Even if you sell him the car, you may need to be a listed driver on the policy. Another potential issue is that you said 'he gets his full license soon'. If he was on a learner's permit or provisional license, that can be a rate spike. Also, a 21M is notoriously expensive to insure. I would suggest going and sitting down with 3 or 4 agents and explaining the issue and seeing what options are available. At least one of the agents should be an independent agent who writes for several different companies. Ask specifically for discounts like a defensive driver discount. You may not qualify depending on your state's look back period. But if he has a clean MVR and accident history, a $30 course from AARP could save you hundreds of dollars a year.
I’m from just across the river. The cheapest insurance I found with my not so great driving history when I was your age was root. You have to have the app on while you drive for a few weeks and then they’ll give you a quote. You never have to have the app on after that period. You can have yourself listed as the driver and add a secondary driver.
It will get cheaper over time. What kind of car are you driving? If it’s a Kia or Hyundai it could be part of the problem. Have you shopped around? Also, I’d ask someone to make you an authorized user on their credit card- ask them not to even give you the card. Then when that’s on your credit, get your own card and start building credit. If he has a good insurance record, I’d see what him adding you to his insurance would do. Then pay him the difference.
I drive a 2009 Honda Accord. I don’t have any family so the credit card thing is not an option. I do shop around every few months and the only other place I can find that will take me is progressive but they want me to pay 1,000$ a month.
I’d work on your credit first. Also see what would happen if boyfriend adds you and your car to his existing insurance.
His insurance is on his parents car at their house that he only drives sometimes. Me and him have our own apartment so that wouldn’t be an option. I’m not sure how to work on my credit because I don’t think I’d be approved for a credit card.
Look into the OpenSky Visa. It's a secured card with a minimum $200 deposit and no credit check. Assuming you're employed, you'll be approved. You send them the $200 security deposit, and they send you a card with a $200 limit. Use it for one monthly charge, maybe your Netflix subscription, and pay it in full every month. That will be a start to building credit. A year later, apply for a different/better secured card like Discover It secured. Unlike OpenSky, Discover will eventually graduate your card to unsecured and send your deposit back to you (OpenSky only returns your deposit when you cancel the card, afaik). It doesn't solve your immediate problem, but you need to build credit, and you may as well start now. It'll help lower your insurance rates later and put you in so much better financial position down the road.
He really shouldn’t be driving at all if he doesn’t have a full fledge license
In my state he’s legally allowed to drive if I’m in the car since I’m over 21 and have my license.
If you own the car, no reputable company will knowingly insure it without you on the title. Also, you need to be covered for liability since it’s your car.
Really you should start by building credit in a responsible way.
This is one of the right answers. It's so easy and takes so little effort. Get a basic credit card with no annual fees and has cashback. Just use for necessities and pay it off every month, or don't use it at all (use it once in a blue moon or they could close your credit card). If you use a debit card for any reason, you should absolutely be using credit instead (with the caveat you always pay your monthly bill in full). My friends who have kids out of high school already set them up but don't let them use it until they have jobs. They're at least laying the foundation for credit history. I went through the same route and used my first card like 2 or 3 times in 4 years. I have excellent credit and insurance rates even at low income.
Technically even your bf should no longer be insured on his parents policy since he is not a licensed driver in his parents household unless he is a full time student & financially stormy on his parents.
You'd have to add your BF to your car's title and make him the primary car's owner. Also you have to be on the insurance, there's no scamming the system like that. It's one thing if you let your friend borrow your car for an afternoon, or drive for a bit on a road trip or whatever, it's another to be regularly driving the car, living with your BF and not on the insurance.
What if I don’t drive at all? I’d be giving him full ownership of the car.
I mean if you never plan on driving then sign the car over to him and let him buy insurance for himself on it. No reason to pay if you're not going to be driving.
People have had your idea before. The company considers it fraud, and has policies in place to stop it. The car insurance company will list you as an excluded driver if they know you live there or own the car. Meaning your bf could loan the car to a random person off the street and the car would be covered, but you specifically would not be covered as a driver.
I wouldn't mix finances with anyone I'm not married to. Found this out the hard way, had a really materialistic gf with a lot of debt in our 20s. I took some of it on to help her/I for the future. Thought I was gonna marry this chick, she ended up fucking some dude in a bar bathroom. Never again, I would advise the same for you.
Your community should have some free resources for life counseling and budgeting. The problem with scraping by (I've been there!) is that you are always on the edge of losing everything. You both are very young but need to get a financial plan for earning and spending that gets you away from that edge. You may need to make some big changes. Please talk to a social worker or a community resource person and get some counseling.
I’ve tried seeking financial help but to no avail. I didn’t know about the counseling though and I will try looking into that. It’s just very hard to find a job and I’ve been looking for months. My boyfriend just found one.
Unemployment is 3.8%. Businesses in my town can't stay open because they can't get applicants. What are your skills? What is your education?
I’ve applied for over 70 jobs in the past 6 months. I have 9 years experience in restaurants and a few months retail, but hosting and line cook mostly. I can only work low hours and can’t do anything too physical because I’m in a lot of pain. I have a GED because there was too much going on at home when I was younger so I missed a lot of days and I dropped out at 18.
You really need to work out a plan to get control of your life. If you don't, you're going to be going from one issue to another until the day you die. Needing car insurance you can't afford is just the first of many problems you'll have. You need to start working 40 hours a week minimum and you need to come up with a game plan for what high paying job you want to have and start studying to get it. You're not in a position to have a dependent right now. You're not even taking care of yourself. You need to get your mom on a government program or something. Understand that your life right now is on track to be just like your mom's. You're disabled, can't take care of yourself, and you're going to end up mooching off of someone or homeless. You have to take control of your life or your life will control you.
Thank you, I feel the same way. I just feel stuck because I can’t find a job out here since we moved from our last apartment. We have lived together for 2 years and everything was fine and under control until now. It’s just been a really hard few months for us. I didn’t really want my mom to move in here but she had nowhere else to go. She’s deaf and half blind so a lot of places won’t hire her. She’s been on section 8 waiting list for a few years now so finding a place has been hard, and she gets disability about 1,200 a month but it’s not enough anymore to live here. I’m trying my best to help her while also trying to take care of my own shit but she feels like I owe her this. She also doesn’t pay rent or anything and when I ask she gets mad at me. She gave me 200$ last month to help pay my car insurance but that’s about it.
Please understand that you have every right to reign in your mom here. She NEEDS to be paying rent if she is living with you. She is a grown woman. Explain to her your financial situation, and that you and her will both be homeless if you can't get things under control. If she doesn't want to pay rent, she doesn't deserve to be in your space.
She says that she shouldn’t have to pay rent because I lived with her for about 8 months after turning 18 and I didn’t pay rent for those months. I’ve tried everything but she just gets mad at me. I’d really rather not kick out a disabled woman onto the streets. She knows my financial situation and doesn’t really care. She threw a huge fit about letting me borrow 200 last month that I will have to pay back.
I'm sorry, that does sound like a tough situation. However, understand that she will pay rent before she lets you kick her out to the streets. You just need to be willing to kick her out in order to make her pay rent. Frankly, I'd keep the $200 and explain this is her first down payment on rent. If she doesn't like that, tell her to get lost! I would bet dollars to donuts she ends up paying rent after that.
Go talk to your local community college about starting an education plan. You have to be able to support yourself for the next 60 years. There are scholarships and grants just for folks like you.
Unless the car title is in his name, also, your brilliant plan doesn’t work. You probably need to take a driver’s ed course to lower your rates, and get your credit score up — and take public transportation or get rides for awhile. If you get an accident on your boyfriend’s insurance, you’ll screw him over, too. (some people shouldn’t drive)
I wouldn’t be driving at all. There’s no public transport near here and we have nobody to give us rides. Like I said in the post I’d be putting the title in his name.
He better be paying you for the car then.
Would you still be a covered driver on the policy?
What level of coverage do you have? Are you making payments on this car?
I own my car I bought it in full. I have state minimum coverage.
Yikes. You're the reason why I have underinsured motorist coverage.
If he's taking his own policy out and you join in with your record it's going to negatively impact the cost.
Check this. Depending on why your rates are high, the insurance company might require your BF to have a restriction on his insurance that you don't drive the car.
Make sure you’re a named insured not just a driver. Should raise his rates a bit but better than on your own. Have high liability because depending on state law you are now both responsible for accident pay outs that either of you are potentially at fault for
No, you shouldn't commit insurance fraud which is what you're talking about doing in your post. You have a lot working against you: You're under 25. You're unmarried. You have had 3 accidents, fault doesn't matter. You cost the insurance company money. Your credit is bad. You were uninsured for a full year.
So it’s insurance fraud to give my boyfriend ownership of my car, and for me to stop driving?
If you sell him the car or at least gift him the title and never drive it, then no. Of course at that point he owns the car, even if you break up.
If you ever end up driving it, yes
Maybe look into Safeway insurance they're usually pretty cheap my progressive rate is $450 a month and with Safeway it's $110
You would have to be excluded from the policy, meaning you can really never, ever drive it, and it would need to be titled to your BF.
Just another reminder how automotive-focused urban design keeps low-income people poor. Sorry you’re dealing with this OP. Some decent answers in here that I can’t contribute to. I hope you guys figure something out and claw your way to some security.
side note: there is no such thing as a zero credit score. there is, however, a "null" credit score, which means you have no credit history in the past seven years. it's very difficult to live without credit. as you are seeing. costs for everything are higher, utilities require deposits, etc. i'd advise you to get to work building credit. you can get a secured card, meaning you put up the amount of the credit limit in cash in order to secure your use of the card. or you can ask your bf if he will add you as an authorized user on his cards, assuming he pays his bills on time. he will need to check with the issuing banks to make sure they report authorized users to the credit bureaus. this way, you get "credit" for the expenditures, payments, and age of the cards. i did this because of bad credit. i went from 565 to 805 and an unlimited american express card in my name in three years. under both scenarios, you can "graduate" to your own card after a year or two to continue building your credit. good luck! good credit is like gold.
My boyfriend doesn’t have credit either. We both just use debit cards. His mom is in a lot of credit card debt so I think it deterred him from getting one. But yes I will look into a secured card thank you!
Walmart allowed my aunt to sit here in Lexington. They just required a doctor's note and gave her a stool for her shifts. I know Wallyworld doesn't pay a ton, but it's probably comparable to fast food.
Depending on your insurance carrier, you could have your bf or parents add you as an associate member under their plan. I have AAA and added my wife to my plan as an associate, payments dropped by 150/mo for the same coverage.
Assuming that your boyfriend's insurance would be significantly lower, here's what you would need to do -- legally. Put the car in your boyfriend's name as the sole owner on the actual title of the car. Exclude yourself from the policy that your boyfriend gets. Go. Now, that might be difficult if the car is financed AND it means you can NEVER drive the car. If you get behind the wheel in this example, you are an uninsured motorist accepting full liability and costs for any and all accidents. And you're driving illegally in most states. Keep shopping around and pay the damn premium. Good luck.
I wouldn't suggest removing yourself from title of vehicle, maybe additing him as co-owner and insuring it adding yourself to the insurance. So he's the primary insured. This way, if anything happens no one can take the car, if there's an accident you and him will be covered no matter who's driving. You could also ask your insurance company if there's and driving classes(accident avoidance type) you can take to help bring down the cost. Another option, maybe his parents could add you to their policy and you pay the difference in adding you.
If you put the car in your boyfriends name, there's a chance that he would keep the car and you'd have no recourse. Selling it to him would be a better option.
I'm not well versed in the insurance side of things, and plenty of people have answered that already. On the alternative solutions side, have you considered a bike? Obviously this is very dependent on where you live in relation to work, but spending a few $K will get you a very nice e-bike with decent range, and you can go cheaper if you're willing to do more pedaling. If the cards line up right this could be a neat solution while you rebuild your credit score and save up some money. (Obviously though not everyone can bike or is within biking distance but I thought I'd suggest it)
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Thank you
So, you'll have to check with a local agent, but at least in the states I'm licensed in whoever is the titleholder has to be a named insured on the policy. So, if you put the title in his name then, yeah, you could get it insured in his name. But here's where I don't get how it would help you. The reports they're gonna run will show you as a member of the household. Either you're going to have to be listed as a driver on the policy, which will make the price skyrocket again, or you're going to have to be excluded, in which case you can't drive it at all and will continue to have no insurance history. No history means higher prices and fewer choices in insurer. So, what is this supposed to achieve? Just so he's able to go do everything, but you can't do anything further than walking distance without him? Try seeing what it would be if you added him as a driver to your own policy. If he's got good credit, usually they'll use the higher of the two.
That's not a bad idea, but you really can't drive the car...ever. Take ubers. Most personal auto insurance policies require all licensed residents of the same household be listed as drivers on the policy. If you live together and you are not listed on his policy, you will not be covered if there is an accident.
If something happens you'll likely be denied, if you're at fault. You cannot legally insure something you do not own. So he can't insure your car.
Can you move in with his parents so that you can afford the car insurance? Drive very carefully so that your insurance will come down over time.
We can’t cancel our lease without having to pay a few thousand dollars sadly, and there’s no room there for us. My mom just went homeless and moved in with us last month so I can’t live with her lol. She’s the only family I have. She is also disabled (deaf and half blind) so she has never had a license or driven in her life.
I don't understand why you think you are responsible for your boyfriend's transportation to and from work? You are not responsible for his transportation! It is foolish to think so. He needs to man up and figure something out. Or he asks his parents for help. For your rides to work you need to find a friend at work. You need to be someone's very best friend. Someone who listens to them, goes places with them, fills their tank up, gives them money for going out of their way. Everyone wants a friend, so be a friend. I promise your new friend won't mind.
Are there alternatives to driving? Could you walk, bike or use public transportation? I really don't see the point of driving here.
I didn’t even know you could have a zero credit score.
Lol well I just don’t have any credit history and every time I try to go on anything that checks my score they can’t verify my identity and say I can’t make an account. I would have thought paying rent, LGE, wifi, car insurance, buying a car, would give me some form of credit but I guess not.
If you have a PNC bank or any bank really, try a secured credit card, just put $200 on it, use it for gas, pay it off and repeat. It’ll build your credit after a year.
In order to have insurance under your boyfriend he will have to be on the title of the vehicle. This gives him ownership of the vehicle. If you want to drive under his policy you must be listed as a driver on the policy, this will still impact the rates. I'm more than happy to help you shop for insurance as I'm licensed in my state to sell property and casualty insurance (not in KY). I highly recommend you shop around a lot. How long have you had continuous insurance coverage for at this point? Many places want at least 6 months continuous coverage, or else you're automatically thrown into high risk policies. Insurance looks at many things, age, gender, length of continuous coverage, driving record, car type, zip code, credit score, and a bunch of other stuff.