Here is the situation.
I have 4 accidents on my record, but none of them were my fault, but they still are holding it as a - on my account. This shows my record isnt perfect.
My parents in 35 years between them only have 1 speeding ticket for 8 mph over. So for the most part their record is clean.
I'm currently in College, so my insurance company like thats, i also have a record od getting good grades which they also like.
I do have full coverage on my car so it isnt just liability.
I live in Maine.. and well maine isnt as bad as other states mainely cause alot of the roads are sooo fucking bad they alot of cars bottom out, also Maine is ANAL!! about car mods, u cant have the vechile lowered that much, you cant have alot of the racing parts on the car due to smog and shit. So it limits what you can do to cars.
And here is the main reason why its so cheap. We have a Ford 150, Buick something, 91' Mazda something and My Camaro. So we have 4 vechiles.. and only 3 people in the house. Because of this they cant pin the Camaro on me, and since they cant they said the Camaro was my dad's vechile, which it kinda is cause he took the loan out for me to get it, so it techiquely is his, but i drive it alot.
It all comes down to have 1 more vechile than drivers and NOT!!! having you be the primary driver on the sports vechile.