<prompt> Human: I have a bad driving history. I cant afford the insurance anymore. I financed a car and I payed almost the first two and half years. The only options I have in my mind is now to transfer the registration to someone else and I can get a better deal on the insurance. What do you guys think? Do I need to disclose this for the seller? Thanks.  <response>: A. Thats insurance fraud. B. Most states the lien holder has the title till you pay it off. 