Car Insurance - anyone?

[katiesue]

Ok here's the sitch. I have AAA car insurance. Maddie's Dad has some "cheap" place I've never in my life heard of. Here's the problem. Madz has her permit now. Per AAA if she lives at my house half the time, she has to be on my policy. She also has to be on her Dad's policy if she's going to drive his car. Ok fine.

So her Dad wants me to get another policy on my car with his fly by night insurance, as it will be cheaper. His ulterior motive here is that if we both have the same company we don't have to double insure her as we will now - this will lower his payment.

First off can you even have two policies on the same car?

Second anyone know anyone in a 50/50 custody situation with teen driving and how insurance worked out? I did some internet research and the 50/50 is what seems to be the issue, if it were say 80/20 you can just put them solely on the parents policy with primary custody.

I'm absolutely not budging on switching companies even if it's "cheaper". I know of too many people with cheap insurance who had major problems if they did actually have an accident. I've had AAA since I could drive and they were excellent to deal with in the few accident's that I have had.