It Cost a Fortune to Learn How to Drive at 30, But it Cost Even More After I Started Driving
Dan hughes

Ariana, this may have been due to the cost of the collision insurance on your parent’s car (the optional part of the insurance that covers the damage to your own car). If your parent’s car was more expensive than your own car — say a $35k newer car vs a $8k used car — the risk was greater and so the premium was higher. If your car was cheap enough, the $800 premium may have been for liability only (the mandatory insurance that covers damage to others). I don’t believe the insurance company weighs the premium based on whether you would only drive it occasionally, as there is no way to verify that.

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