I live in Montreal, QC, Canada and I have little use for my car. I'd like to save money by getting rid of it and the expensive insurance.
I've heard gaps in insurance history will lead to higher rates if I get a car again. [IMO this should be illegal, but big insurance]
So, should I have my mom add me as a secondary on her car if I plan to get a car again in 2 years? What about 5 years?
This seems like a pure optimization problem, but I don't know enough about the effects of not having insurance to calculate it.