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Stephen Said:

what factors affect car insurance premiums?

We Answered:

To get insurance on your own would be foolish and very expensive. It would be better and cheaper to leave the car in Mom's name and also leave the insurance in Mom's name. You need to speak with her insurance agent because you need to be added to her insurance anyway (if you haven't already been added). Read below:

Household Auto insurance rules:

YOU MUST DISCLOSE ALL HOUSEHOLD MEMBERS THAT HAVE A DRIVERS LICENSE....WHETHER THEY WILL DRIVE THE CAR OR NOT.......!
You need to disclose all household members in your household. Each company will handle them differently. Typically, a carrier will include the driver on the policy, exclude the driver from the policy, or not rate the person on the policy.
The insurance company will ask these types of questions to determine how the person will be listed on the policy:
Will this resident be included on the policy? Depending on your answer to this question, each company will ask additional questions to determine how to rate the policy.
All the household residents, 16 (some states 15) years of age or older, and all regular operators of the vehicles need to be included on the policy. You can choose to include the resident on your policy or not and companies' underwriting will determine if you are eligible to be insured by the insurance company.
The answers to these questions will help the company include the drivers in rating or help them determine how to include, exclude, or not rate the drivers on the policy. The named insured cannot be an excluded driver.

Shelly Said:

How to save money in car insurance for g2 lic?

We Answered:

If you are talking about an Ontario G2 licence then they only viable ways to reduce the cost of your vehicle insurance are: 1) Take an approved driver's education course; and/or 2) Buy a older vehicle that you can pay cash for and insure it for liability only, no Collision or Comprehensive coverage.

Christian Said:

Could i lower my car insurance ?

We Answered:

No, they won't accept that because you could easily undo the modification later

Jay Said:

who should I report if my neighbor provides wrong address for car insurance purposes?

We Answered:

Mind you own business. If she is in a wreck it will be found out