Cheapest way to get Car Insurance for a 19 year old male, in Ontario?
I am a 19 year old male university student in Ontario Canada. I live at home in the summer and only one hour from home during the school year for my studies.
I would like to purchase my own car for everyday driving. However, I know that I would not be able to afford the ridiculous insurance there is for a male driver that is under 25 and listed as the primary driver.
I have heard of ways to get around this, such as getting listed as a secondary driver and having my dad as the primary driver and just me as a temporary driver. Doing this is kind of lying, as I would be having the car all the time in the school year and then bring it home with me when I work at home. I don't think it would matter though, I doubt it is risky that if I did need a claim they would investigate how much I had the car...
But what my dad seems to think is that he can only have a certain amount of cars listed as him as primary. My mom and dad live together and together own a 1994 Intrepid, 2003 Cadillac CTS and a 1988 Corvette (that is insured for only 5 months a year, stored in the winter). I am only insured as a temporary driver on the Intrepid as it is too expensive for anything else.
I also have a 21 year old sister who is in the same situation (lives at home for 4 months a year) but she has just bought her own car and is her own primary driver. So I don't think that should affect me at all, it is cheap enough for a female to get primary insurance at this age.
So now I want to buy a sports car. I am 100% sure I want to buy a car that is not common, its just something I am stubborn about and so I know that insurance will be more this way. Specifically I was looking at an Audi tt, BMW 300 series, Mitsubishi Eclipse or a Mustang... I also found a great deal on a '99 Porsche Boxster that a seller has that is way underpriced and I'd love to buy it (first choice).
My question is, can I claim that my dad is really the owner of the Porsche (or other car) and say that I am a temporary driver, and then have me drive it all the time and take it back and forth to school, etc, knowing my parents together already have 2 vehicles and 1 summer vehicle. I would take myself off of the temporary insurance on the Intrepid. My dad seems to think that an insurance company will not allow them to be primary drivers on 3 vehicles and 1 summer vehicle while having dependant children... But what if I did the insurance quotes online and got approved? I already did get quotes before, and I don't think I ran into any problems. But I want to be covered and in case I did need to make a claim, this method won't come back to bite me in the butt.
What is anyone's take on this? Like I said, I cannot afford to pay the insurance on the car as a primary driver at this point, but paying for the car itself won't be a problem. I do realise that I will be paying for this way than I do at the moment because of the car, but instead of $3000 more I was thinking $400 more or something.
Thanks for reading all the facts, any answers will be greatly greatly appreciated! Thanks everyone!