I don't even know where to begin but here's the situation, so my boyfriend hasn't had a car in a while he sold his old car since it needed work and he didn't want to put the money in it and he hasn't really needed a car lately (his job is right by where he lives so he just walks over and when we go somewhere I will usually just drive). Now he has decided he wants to finally get a car again but because his driving record hasn't been the best from accidents and tickets and what not in the past, he is clearly high risk and he can't afford to pay possibly $600/mth or so. With this he asked me to insure the car he chooses to get that way he will get a lower insurance rate. So basically it would be as if I just bought myself a new car and he would be borrowing it. But I am currently under my parents insurance because I still live at home soo I would have to take out a separate policy. From day one, when he asked me about this I have always been hesitant because it just does not sound right! My parents have taught me when you have car insurance any person driving the car needs to have their name under the insurance as a driver. I have asked a few friends about this and their immediate response was NO. I have been trying to tell him I don't feel comfortable doing this and he keeps saying if something happens it would fall onto him as the driver, not me as the owner. I'm trying to make my case to him that this is a bad idea so I have questions. 1. If he got a moving violation (run a light, speed) what/who does that affect? 2. If he got a parking ticket what/who does it affect? 3. If he ever got pulled over just because a cop scans the plate and decided to question things would there be a fine? 4. Would I be in trouble if he got into an accident? 5. What if he god forbid had paraphernalia in his pockets and got checked for some reason, does that affect me? What if it's straight up in the car? Would any of these issues hurt my name under the insurance? I have a feeling they would but I jst need straight answers. Otherwise I'm trying to come up with excuses to him that I can't do it because he's being too stubborn to listen to me.