I am trying to figure out how to keep my car insurance not insane. Any thoughts or advice is welcome. Current Situation: Two vehicles both mine 2003 F-150 Me 14MPG 2011 Honda Civic Her 34MPG Two Drivers Me 37 Yr old Male completely clean driving record last ticket ~18 years ago. Never had an accident I was at fault. Daughter 16. New driver obviously. Does not live me other than every other weekend. Car insurance $1300 every 6 months. Geico Oddity #1. I wanted to add a cheap 2005 6K car put daughter in it and I get the civic back as my daily driver. Raised car insurance $800 every 6 months. Same drivers 16 year old moves from 2011 to 2005 goes up $800.... Oddity #2. If I get a policy for me (no daughter) that covers the civic it costs me $433 every 6 months. If I take the civic off the policy add the 2005 6K car it is a wash. Ok so the cheapest plan is to remove the civic from my car insurance policy with Geico and replace it with a cheaper used car. That is a wash. I still have the civic so I get a car insurance policy for me that has the civic new company. So basically I am covered twice in regards to car insurance. Confusing I hope I did not lose anyone. Am I missing anything? If I did this would the insurance companies care / cause me issues? Just FYI we had a better plan car wise until the wife took off and messed up the car rotation plan. Thoughts?