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Your age/credit store is likely going to be the issue. I would insure the Z in Dad's name. My agent (allstate) is always quick to shuffle cars/drivers to find the best deal and I went through the shuffle in the last 6 months. My Z is listed as 'under 3,000 miles per year' but I am not sure what difference that makes per month. I am paying $540/year to insure my TTZ with full coverage (this is not stated value - it is typical book value only). However, I am 35, have no (recent) points, have excellent credit, and take advantage of every discount they offer - prepay/auto-transfer/alarm/garage kept/etc. If you are 18, I would guess your Dad is at least in his 40s. Making him primary driver on the Z sounds like your best bet for reasonable rates while the car sits. Good luck.
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