<prompt> Human: Im currently 18, I drive one car and one car only. My parents paid for my car insurance when I first started driving until September 2013 when I was 16 and got a ticket for going 45 in a 25. My insurance company AAA found out 6 months later and my parents car insurance doubled from 200 a month to 400 a month. They did not tell me exact numbers at the time, and instead just told me it had doubled their insurance as a whole and that I need to start paying apart of the increase which was 100 dollars out of every paycheck which comes every two weeks. From my understanding, when I got my ticket MY cars insurance doubled and I was going to have to pay part of how much it increased. I make around 180-200 every two weeks so that insurance payment was where the majority of my money went so with gas, food, and girlfriend I didnt have any room to save money. I didnt question it at the time because I felt so guilty. But, now Im 18 and the insurance is a real burden and handicap when I want to start saving money for college when I dont have a job. I went to my parents to ask if there was anything I could do to lower it. My dad explained to me how the insurance worked saying all the cars are under one policy or group, and that when I got my ticket the insurance that covers all 4 cars doubled from 200 a month to 400 a month. So I ask my dad, So if the total insurance on 4 cars doubled, and Im paying for half of the insurance for all of the cars. That means Im paying the car insurance for half of the 3 other cars I dont even drive, one Im not even allowed to drive. My dad brushed it off saying it didnt work like that and didnt really give me further information or an explanation. I did the math and Ive almost given them around 3 grand in insurance payments. They said this was fair, and nothing was wrong with this agreement. Ive been pushing to either change insurance plans. Theyre making ME look for a new insurance plan for my car. I feel like my parents have been stealing thousands of dollars from me for the past year. Im at a loss at what to even do. -The car Im not allowed to drive is my Dads 07 Lexus ISF. Now Im covered on that Lexus and have been paying for insurance that covers that car yet Im not allowed to even move it in the garage.TD:LR Found out Ive been paying for half of my parents car insurance that covers 4 cars without my knowledge. Im looking for a new insurance plan, mainly just looking for guidance and advice because I dont know what Im doing.  <response>: You arent being duped in my opinion. You are a young, male and since you are part of a group auto plan you will be insured for all vehicles regardless of what your parents do or do not let you drive. The fact that they are making YOU look for better rates seems fair as well YOU got the speeding ticket and YOU have a problem with the current rate. If a cheaper rate is what you are after maybe you can take whatever car you drive off from the rest of the family but you wont be covered in the other cars. 