NLIC.org

Byron Said:

Just bought 2nd used car (under my name) but boyfriend going to drive it most days. How auto insurance work?

We Answered:

Get quotes from different insurance companies with following options:
1. Both of you on one policy. Add him to your current policy and get a quote.
2. Both of you on different policies. You can still check your personal quote. I think AAA is expensive. (It doesn't matter you are a AAA member, the discount you get is not worth)

Make sure to keep your coverages same when checking with different companies.

I usually check with companies once in 6 months. I go with the lower rate. Most of the insurance companies are competitive and have good services. I would check Geico, State Farm, Farmers, Local Farm Bureau Insurance company. (I am in Oklahoma and I am with Oklahoma Farm Bureau Insurance)

Dorothy Said:

My fiancee and I are going from our parents' insurance to buying a new car. How does insurance work here?

We Answered:

If the car will have both your name and and fiancees name then you both will have to take out a policy covering you both for that car. I assume that neither of your sets of parents names will be one the paperwork to buy the car so they are not responsible for it.
Your ages and driving records along with the year, make and model of the car you buy and where you live and driving habits will help an insurance agent determine your cost for a policy.