|Originally posted by painandgain99:|
.. i believe insurance follows the car not the driver
Actually it's both. Whichever one benefits the insurance company at the time.
They consider the car as to how much coverage you need to repair collision damage done to your car. That follows the car. But for liability they look not only at how much damage the car can cause but who is driving it. That follows the driver.
Most classic and collector policies are not going to want to insure anyone under 25. Not sure if that includes you are not. If your Dad doesn't list you as a driver and you are under 25 could be trouble if you get into a wreck.