I am 20 yrs old, i have been on my familys plan since i was 17. I took a 6 hour safe driving cource which i know lowers your insurance. I have a clean driving record, no accidents at all. My bf is 25 yrs old and hes been having his own insurance pays about $150 a month, but his driving record isnt clean. He did have a few points on his liscends a few years ago, but now in which there off. We just bought a 1999 Jeep grand cherokee and i wanted to know do you think it would be cheaper to get it insured under my name or his? We also live in NJ if that helps We just had a baby together and also live together. His father took out a loan and gave us the money we needed to get the car. Hes also a fedex driver so he has a clean driving record now