in question)? My husband is 49 and I am 43. He has several tickets and accident claims including replaced windshields. He is the holder of the policy and I am listed as a driver. He also has a poor credit rating. I have no tickets or accidents and have an excellent credit rating. Our rates for our old cars for basic insurance is out of this world. Am I screwed because of my husbands lousy record? Would it be better to have the policy in my name? How can I save on insurance or am I just doomed? We have our homeowners policy (no claims) with the same carrier and our rates are still high. Are we being ripped off?

I am an ins. agent in VA and based on the info. you provided you are probably insured with a non standard carrier which means your rates will probably be higher. You may want to check with other carriers and have the policy issued in your name with your husband as a driver. The credit rating you have will help but the rates will still include his record and claims filed. Most companies give a multi policy discount so having your homeowners with the same companies should be an additional discount on the both the auto and home. so something to consider if switching is will your homeowners go up if you choose a different auto carrier. Have your husband check with the DMV to see if they offer driver improvement classes and also ask the insurance companies if taking these classes will make the premiums any cheaper.

Your husband's credit record and driving record are undoubtedly increasing your insurance costs. As long as he's on the policy, you're stuck.

according to me if your husband credit track record is good there is no problem.