Car insurance for a new driver + sports car?

Elvie Drumgoole: First of all, ask your dad to add you on his auto policy with your car, listing you as the primary driver of your Sonata. As long as you are on the same policy as your dad where he has the Triumph, and you are not excluded from driving it, then you should be covered. Depending on the replacement value of the car, depends on which car you want to be listed as the primary driver of. To lower your insurance costs, I would suggest that you do well in school and bring the agent a copy of your transcripts with your grades. Depending on your state and company, the insurance agent may have some additional advice as to how to lower your costs. If the car is on a special policy or through another company, then you won't be covered, and aren't going to be able to drive it. Sorry =(. I have never heard of such a program....Show more