does anyone is an expert on insurance? I am thinking to get my premium lower this year because I have been paying almost 5Gs a year, and i am 22 and the car is paid off under my name. So I heard if i change it to under my parent's name then it'll be cheaper? but i dont want my parents to take any responsibility on me though because they have property and if I got into an accident I dont want people to sue them. and I prefer full cover though. I am thinking of getting a 2nd vehicle like a old used car to under my name and the S to under my parent's name, so the 2nd vehicle will be my primary vehicle and i just drive the s2k sometimes. will this work? or any other suggestion? or advice? thanks guys!