So my 23 yr old son graduated with a BA in May, had already starting working at his job part time and is now full time (Logistics coordinator for a large paving co.). He also has a 6 mo old baby with his longtime girlfriend. He made his first big boy purchase, a '15 F150 crewcab. He has one ticket for speeding 5 over which will be 3 yrs next month. His insurance quote is outrageous, $1200/6 mos. We live in Michigan, which has the highest rates in the country. I got a quote for it on my policy and it would be $735/yr!! $1600 savings!! Thinking about adding it to my policy, he is already listed as a driver on our policy. He would of course pay for it. I am probably going to cosign on his loan to help him get a better rate, so both our names will be on the title. Any insurance guys on here with any advice?