Hello, at the moment I’m thinking about buying my own car again. Since I’m still in my studies, I’m looking for the best way to insure the car. I’m in advance, I’m 24, so above the magical 23-year limit, which seems to me as far as I could see so far. I haven’t decided yet for a particular vehicle, most likely the liability class will be at least 20, so a low percentage would be a lot more All-inclusive would be important to me, because I don’t want to take any risk. I just put in the room, which I have come up with so far and hope you can comment on it or maybe make better suggestions. 1) I use the second-car fare of the direct line with my father as vehicle owner and myself as main user. I come with all-inclusive (SB 1000) to approx. 1800 €. If I am only a side user, approx. 1200 €, if I do not sign up as a user under 900 €. Consequences for not giving a vehicle user only to under 24 year olds, would not be true for me. Nevertheless, I would have a little concern – right?? 2) I have my mother re-register the very cheap Fiat Seicento (so to 100% ?) and take over the damage-free classes from her. That would probably make me up to maximum SF 5. The fun would cost me with a full amount of about 1100 €, with the advantage that I would be the vehicle owner. The transfer of discounts is not a problem, as far as I know. But how would I have to proceed exactly to get rid of the classification of the seicento? And where could my mother then get involved with this? First of all thanks for patient reading until then, it would be very nice if you had some tips for the insurance jungle for me. :-)) Many greetings