As of now my insurance rate is at a surcharge of 20%, down from 75% from when I was 16 (21 now) and hit a parked car in the snow causing 2000 worth of damage which I couldnt afford to pay, so the insurance went up to +75%. Absolutely rediculous how I am still paying the price 5 years later, and for another 2 years til it gets back down to 0%. My dads however is at a 40% discount. I have my car insured under his name and save about 80 bucks a month this way. My question is, would it be a good idea to get my bike insured under his insurance too, or could I somehow get screwed if I was ever in an accident and not the "primary operator". I could get collision and still be paying less than I was when it was insured under my name with my 20% extra charge. I understand if I crashed and it was my fault I could not claim the damage under collision or his insurance rate would go up, but if the accident is not your fault you can make a claim and your rate won't go up right? Can anyone answer this, and give me some info on why it might not be a good idea insuring under my dads name. Thanks
BTW, my insurance rate will still drop 10% a year until it reaches 0% even if I have nothing insured under my name.