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I'm getting a car with my girlfriend and since she is paying for half I want us to both ? - title insurance nyc

under the title and EGISTRATION. I have a license and only has a permit. I think it would be good to do in New York. And insurance, would the insurance company, one or both names on the record? I know that insurance would reduce, as I have been the engine of more than 20 years, so when would be greater, because the record is under our names, I think we want to have my name in the title and d "tab to get the most favorable insurance. Would it make a difference?