“Full coverage will always cost more than a policy with liability insurance
only. If you are looking to reduce the price, you can always raise your deductibles. Raising your deductibles will lower your premium, but it will also require you to pay more out of pocket if there is an accident.
Insurance companies rate policies depending on a multitude of factors. Your age, driving history, and lack of prior insurance could be impacting your rates as you are considered higher risk.
You can continue to shop around and see if you qualify for any discounts with other carriers. Look at car insurance quotes online
to see if you can find anything more affordable than what your dad’s insurance policy costs.
If not, once you’ve been insured with a carrier for at least six months, you’ll be eligible for most prior insurance discounts with other companies.