A couple of really good answers, but one more thing to consider. Was there a written will? If so that is the document saying who the car belongs to. Lacking a will state law will say it goes to surviving spouse, so it will be mom's, but she can tell whoever the executor of the assets of the estate is to give it to you IF she wants to do that.

Sorry for the loss of your father.

Possibly, and probably, since rates are set by the risk you present the company and tickets or accidents, even when you are not at fault, can raise the risk factor.

You won't know, and really not even your agent will know, if your rate is going to increase or by how much. You will know when it comes time for renewal, but even then I've seen mine go up with no tickets or claims just because of other losses for the company that they pass to all their customers.

I need to leave soon, can I go or not? (Vehicle Inspection Sticker)?

You get yourself out of this "bundle" very simply. That's why you have a court date, in fact.

Find your proof of insurance, and if you can't find it call the insurance provider (have your girlfriend do this) and request a copy immediately. If the vehicle has valid insurance, there will be no problem getting the proof. I've got 15 years experience as an insurance broker, and providing written proof of an insurance contract is the easiest task in the job description.

You would then show that proof to the prosecutor, which can be done in advance of the trial date, and problem solved. Once it is verified that the vehicle had valid insurance on the date the charge was laid, the prosecutor will have no choice but to withdraw all charges of driving without insurance.

NOTE: You may still be found guilty of driving without proof of insurance, but that's an extremely minor deal.

Cheap insurance is an oxymoron really. But to get the best bargain on coverage that will meet your needs, you need to compare rates and the reliability of the company offering insurance.

The best way to do that is to find a local independent agent, sit down with him and give your needs and the information he will ask for.

Then he will search his data base to find which of the many companies can meet your needs.

If service is important to you then you may not want the cheaper ones that only give you a web page.

But once you comparison shop with an agent, you can make the decisions.

I sold a lot of collector car policies, and they're much much cheaper than regular auto policies. I'm talking like 1/10th the price.

But because there is always a catch, there is a catch. Your car isn't considered vintage or antique once it reaches a magic age, it's just considered old. Vintage or antique cars aren't just old, they're old and in remarkably good condition. They're so valuable, in fact, that they spend 99% of their time sitting in indoor storage. Collector vehicles (antique, classic, vintage, hot rod, etc) aren't really vehicles, they're showpieces that appreciate in value. They're hardly ever driven, in fact they're hardly ever exposed to the elements of nature.

That's why the insurance packages for them are so cheap. Insurance prices are based entirely on the risk of a loss (accident, theft, vandalism, tornado, etc), and true collector vehicles pose hardly any risk at all.

If you have a 1987 Ford Mustang that you drive regularly, you don't have a collector vehicle. You just have an old car.