<prompt> Human: Hello there PF, I mostly just lurk on this subreddit and would like to know if you can help me with this. Im 21 and my wife is 19just barely licensed, and were having problems getting a reasonable car insurance quote. I know that I had a major accident in July of 2012 and dont really know what it cost the insurance company. I was t-boned by an elderly lady and even though I tried to drive around her to avoid the collision she still managed to ram me at probably 10mph not stopping at the stop sign. It was deemed my fault on the police officers reportdue to faulty brakes and even though I should have I never disputed the report due to my parents not wanting me to get into trouble. I know that its probably to late to be changed now, but if I could go back I would have disputed it because, come to find out, that accident is really affecting my insurance rates. I have been piggybacking off my parents insurance policy and paying them the 150month it costs to insure me on their plan, but my wife and Inewlywed have to get a second vehicle. That being said I know I can not be insured by two different companies at the same time, and the insurance company Im currently with said I can not be on two different policies. This ordinarily would not be a problem, but if I buy a car for my wife I would like to have the freedom to be able to drive it every once in awhile. Getting multiple quotes from various insurance companies has been giving us a 500-600month rate on insurance on my current vehicle and a new vehicle.What can PF suggest to bring this cost down? I know that my driving record is considered risky to insurance providers. But perhaps instead of buying a new car we can buy a nice used car and drop the policy limits instead? We are using multiple discounts in these quotesbut not adding them to the quoted price I listed such as bundling renters,car, and life. As well as good student discounts. Also will it cause any problems at all with insurance providers if the car I currently drive is co-owned by myself and my mother? The car I co-own is a 2012 mazda 3. The second car that we would like to purchase would be a 2015 Honda Accord. Thanks PF  <response>: your age and having newer cars is the main driving force. I pay 200yr for liability only coverage on my truck which is 10 years old... 