Lease

It could be tough for your daughter to insure the leased vehicle if insurance companies see that she is not the owner. In addition, your lease agreement likely states that you have to be insured on the vehicle, and they may not be okay with your daughter being both the primary driver and out of state.

Unfortunately, it would appear that your girlfriend's insurance company sees her as a high-risk driver. This would explain her coverage being dropped and the new policy having expensive rates.

I recommend getting a life insurance policy is this is something you are concerned about. To my knowledge, there is not coverage within auto insurance that would help with the death of a policyholder.

Waiting until you're 30 will not really impact your rate. The bigger rating factor will be your lack of insurance history.

You do not have to be listed as a driver on the policy. You will need to be listed as an additional interest.

There's a couple of things to think about here. Liability laws: In Nevada, just like most states, if the vehicle is registered, you need to have insurance on the vehicle.

If you are not listed as a driver, you are not insured on that policy. Which means you're probably in violation of your lease agreement and you wouldn't receive coverage in the event of an accident.

There should be no interference in getting an SR22 and having a lease. We have many programs in house that can get this done for you.

Because you're the not-at-fault driver, you would be filling a claim through the other driver's insurance policy. I definitely would repair the damage before you contact your lease, as the damage is probably a violation of your lease agreement.

If you have a leased vehicle, you're technically renting it and thus must maintain comprehensive, collision, and probably gap insurance. Although it might be more expensive to get these coverages, it will save you much more money in the event of an accident.