<prompt> Human: Im 20 years old and I recently bought a car for 3,000. My dad helped me find it, and yesterday he said that he thinks the car should be registered under his name because then insurance will be cheaper. I also believe I am not listed under his insurance because he has told me multiple times that if I was, the price would spike hard. He assured me that even if Im not under his insurance by name, there are loopholes and things will be fine even if I get into an accident specifically he said that if someone hits me were still getting the payouts, but if I hit someone else our car will not be refunded but damages to the other will be paid. I imagine he thinks this is fine because the car is worth so little..?My main question is, is this a bad idea? Is there anything Im losing out on for not getting a car sooner than later, or insurance sooner than later? Is it better to pay the super high insurance fees now until Im 25? I know so little about cars and documents, so any input would be really valuable to me. Thank you for reading!Assistant: Yes, it is a bad idea to not be on an insurance plan. You have to be registered as a driver at the very least. Any loopholes hes claiming may look more like insurance fraud to your adjuster. Human: Why is he okay with this... Seems so risky. Okay, so Ill insist that my name be put on there and Ill help cover that.  <response>: Cut off a limb to save a finger, or something like that.Youre avoiding a few hundred or one thousand extra dollars a year in insurance but putting yourself at major risk otherwise. This is what insurance is for, you pay small amounts to avoid life altering liabilities. 