Ahhhhh....deep breath. Thank you all for your wisdom and replies! I'm going to look into the companies you suggested as we still have time to change before our old coverage expires. Now that I'm calmer (!), I think I wouldn't have hit the ceiling if yesterday's email from Esurance had included a statement like: "Please note: if this vehicle was purchased within the past XX days, please confirm that the registration has been updated to reflect your ownership" or something to that effect. I simply opened the email and was blasted with the notice that they'd found something that we'd apparently hid from them, and my interpretation of that was that it was slamming our ethics. I'm not saying that very well, but you get my drift. I also find it terribly creepy that they put the full name of a stranger in our email. When we purchased the truck last week from a long-standing reputable dealer, never in any paperwork was the previous owner's name listed. Frankly, we're buying a used truck, and the previous owner's name is none of our business. So that email on top of the previous one that claimed we'd provided inaccurate information about a gap in our coverage on top of our current insurance agent's genial incompetence on several occasions (not that his incompetence had anything to do with Esurance!) was enough to send me around the bend. We have excellent credit and a clean driving record other than a deer hit at the end of 2009 (the deer hit last fall didn't count against us since no insurance was paid out) so this should be SO simple. Thank you all again. I'm off to do some internet research! You guys are the best!

With it in both names, any tickets or accidents can count against you, but again, insurance laws vary from state to state. Does he have it covered on his policy? Are you insured by the same company/agent? I sense that things aren't all that great if you expect problems on a possible pre-nup. When in doubt, CYA. I'd say get it into one name, whether that's yours or his, doesn't matter. You could ask for it as a birthday or Christmas present if it makes you feel more comfortable. Insuring two people could be more than insuring one. I'd expect it to be higher and with it in his name he has every right to drive it. You could call a different agent with the same company and talk to them but the pragmatic side of me says you are taking some unnecessary risks and if you want to continue, you should at least insure yourself. With the hesitation and fear of going for the juggler, does he have a bad driving record or something? Again, states vary, but here you could have an issue with your insurance if they find out it's in both names and only one insured. Here, I for instance will be covered by my insurance on anyone's car I drive and anyone is covered on mine. But they're also very fussy about disclosure. I bought a new(er) vehicle and parked it. I decided to put comprehensive on it after a couple months and they got all bent out of shape because I didn't tell them immediately. They figure if you don't tell them, you're hiding something. This kind of ticked me off since I wasn't driving it (it was garage and not used), but apparently there's something in the policy that I have to tell them if I buy a vehicle, whether or not I insure it. They also figure if you have a vehicle, you drive it and if there's other drivers in the house you have to let them know, whether or not they're allowed to drive the vehicle. Sub-25ers especially. It sounds like you have multiple vehicles. Depending on your ages, driving records, insurance and such, you could have enough discounts that the difference, if any wouldn't be much. The other option if you really don't want to talk to your agent is to read your policy and see what it says in there about it. Good luck.

I've seen major differences, too. We insured with Allstate for 30 years. For our cars and our home. During that whole time, we had our pick-up broken into twice, we hit a deer once, someone pulled out in front of me and I hit her van (her insurance paid) and someone broke into our garage and then stole CD's out of my car. No tickets though. When our kids were teenagers, they made us insure ALL our cars for them driving them, even though there was NO WAY they were going to be allowed to drive anything but the used car we bought for them to share. It was quite expensive. Our son got several tickets and every time he did, all our insurance premiums went up. Then, seven years ago, we bought a house in the next town that is practically a suburb of the city that we lived in, and sold our current house. Even though we only paid $68,000 for our new house, Allstate insisted on insuring it for $125,000, and the premiums were huge. We then started shopping around. We found Shelter Insurance which allowed us to insure the new house for the same amount but at a much lower rate. Our car insurance quotes were a lot less too. Of course the kids were long grown up by then. But we had a grandson growing up in our house. When he started driving, I told the agent he had his own vehicle and he was not going to be driving ours. She said, "Fine". His insurance is kind of high, but the vehicle is an older one so that helps. When we left Allstate, after having been with them for thirty years for our house and two cars, do you know no one at Allstate even bothered to even ask why we were cancelling our insurance with them? I guess they didn't need our business any more. The big question that you have to ask, when it comes to insurance, is what their performance is when you need them. For that you'd just about have to ask people who've had that experience. With Allstate, at first it was easy. The adjuster looked at the damage, we got three estimates and then they gave us a check. The last time we had a claim was when we hit that deer. They wanted my husband to drive the car 50 miles to Tulsa for the adjuster to look at it! Can you imagine driving a car with a crumpled hood that wouldn't stay closed, a dangling headlight and who knows what kind of internal damage, 100 miles total? My husband said he'd call the insurance commission, so they made arrangements to look at the car locally. The year we had so much hail, we put in a claim for damage to our concrete patio. There were circular areas about the size of a saucer, where the top layer of the concrete flaked off, but it didn't show up until winter after water had seeped into the fine cracks and then frozen. Our claim was denied, the adjuster said it was "normal wear and tear". I've known people who have insured with smaller companies and then they can't get any service. Sometimes they insist that you use cheap parts for the repair. Buying insurance is getting so complicated. Make sure you're comparing exactly because there are so many variables, and make sure you know what those are and whether you need them all. If you have an older car that's not worth very much, it may not be worth having the part that replaces your vehicle if you wreck it.

From the time my oldest son was less than 2 years old, I have seen the influence an unrelated girl of a similar age can have on behavior. Maybe his drunken behavior chasing off the very one he sought to impress can be a catalyst you or your family could not provide. I hope it will be a helpful step for him. Perhaps you can help him by reminding him that alcoholics in recovery are not the only people who don't drink. Many people chose never to drink and others cannot drink for other medical reasons (past illnesses liver or kidney issues, medications they take), religious issues, etc. I doubt most folks would press for an explanation if he chose not to drink, but there are better ways to deal with the situation than to get drunk. He could simply say he took some allergy medication earlier and can't drink on top of that, ate something that didn't agree with him a day or two ago and is taking it easy -- nothing that commits him to a long term story. He can reveal himself if and when he's ready. He just needs to be prepared so he can handle the situation. Though I'm surprised that any treatment wouldn't include discussion about handling those situations, he obviously wasn't -- or he didn't want to believe that he needed to be. Maybe he needed some proof. Hope he see that he got it and that he's ready for it now. Cautiously hopeful for both of you.