Car Insurance "Almost" Dilemma - I was about to be excluded from driving my own car!

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Background Story: - I'm under my parents' car insurance policy. We have 2 cars but 3 drivers. I sold my car 2 years ago because I didn't feel the need to have a car. (Mom + I carpooled to work for 3 years+, then when I wasn't at work, my boyfriend drove.) - My boyfriend has his own car and is under his parents' car insurance policy Last day of 2015, my boyfriend & I purchased a new car. During the 1st month you're given time to shop for car insurance for the vehicle. We got a quote at the car insurance we're both with & they gave us a ridiculous quote of $1,600 a year for 2 cars. It was cheaper for us to remain on our parents' plans so he added our car to his policy. - NOW - his parents' moved out of state, so he called to get his own insurance policy. We were on the phone with the insurance company for a hour and half! The insurance company ran through driving reports, gathered all information then... the phone rep said since the car we share together has my name on the title, I will be excluded from driving the car unless, I am added to the policy. The solution was to have me added to the car policy. As the phone rep gathered my name + drivers license, she recognized that I am already a member & I no longer need to be added to the insurance policy. Phew! By me still being under my parents, we are only saving $300 from the quote given per year. Any savings is better than no savings though! I'd wish if they gave us a better deal though but I am happy that I am not excluded from driving the car too! Do you have a good car insurance policy and priced reasonably? Even with the good drivers record, loyalty to the company and multiple car savings, it's rather expensive!