Getting on the auto insurance ladder for the first time can be an expensive and grueling task.
Young car insurance is some of the most expensive in the industry and drivers are finding loopholes in order to cut the cost of their insurance premiums.
Many young drivers now ask an older adult to take on the motor insurance policy themselves in a practice known as 'fronting'.
Fronting for auto insurance is an illegal move and the car insurance providers take a very dim view of such a move, labeling it an act of fraud.
The overall idea of fronting is centered on an older, more experienced driver taking control of the Young car insurance policy and acting as the primary named driver.
In reality, these 'primary' drivers rarely even touch the wheel, with young drivers making the most of their cheaper motor insurance as a secondary driver.
Whilst this is quite often the difference between a young driver being able to afford to run their vehicle and not, it is still breaking the law and many motor insurance policies are invalidated if providers get wind of any potential fronting.
Both the young driver and the driver fronting their policy can get into serious trouble if they are found out.
As fronting invalidates an auto insurance policy, the young driver could potentially be hauled into court for driving without motor insurance, resulting in hefty fines and points penalties.
Whilst many drivers unwittingly use fronting for their Young car insurance, the bottom line is that it is an illegal offence and is by no means a risk worth taking.