Becki Gedaminsky

Question: Car Insurance Question..?

I don't have car insurance, but I have a driver's license. I am 16 years old living in Arkansas and I don't drive much. My parents have insurance and when they added me to the policy (of 2 cars), it went from $150 a month to $350, which we can't afford. We cancelled that insurance (with geico) and now have esurance, where my parents pay $135 monthly (with the same coverage), without me added. Should I be added on the policy, even though I don't drive much? If I'm driving and get in an accident, can I say that I was just burrowing my dad's car? Will I be covered under him then? (since i don't have my own car) I am confused. How does this work? thanks

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