Should I stay on my parents' AAA policy or get my own Metlife car insurance policy as an 18-year-old?

I'm 18 years old and I just bought my first used car. I could get on my parents' AAA car insurance policy for $2,000, but I think that's expensive. Should I get my own policy with Metlife?

Answer provided by
Eric Schad
Answered on Apr 16, 2021
Eric Schad has been a freelance writer for nearly a decade, as well as an SEO specialist and editor for the past five years. Before getting behind the keyboard, he worked in the finance and music industries (the perfect combo). With a wide array of professional and personal experiences, he’s developed a knack for tone and branding across many different verticals. Away from the computer, Schad is a blues guitar shredder, crazed sports fan, and always down for a spontaneous trip anywhere around the globe.
“As a younger driver, 99% of the time, staying on your parents’ policy is your best bet for cheap car insurance. Even though $2,000 may seem like a ton on an annual basis, it’s only $167 a month, which should be doable if you currently have a job (or nice parents).
AAA offers numerous discounts as well, including a multi-car discount and a good student discount if you can stay above a B average.
Although Metlife is a reputable company, they probably won’t be able to offer you a cheaper policy based almost solely on your age.”

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