Bad Credit Auto Refinance

I am 18 years old and I am currently trying to get an auto loan from a bank. I don’t have established credit so I am having my aunt co-sign for me. I am getting the loan for $7500 but I have run into a few problems. My aunts credit is perfect and I know she can get accepted for the loan. The problem is that every bank I have gone to requires me to get full coverage insurance in my name. I don’t mind the full coverage insurance but the fact that it’s in my name would make my payments extremely ridiculous. I have talked to a few ppl that have gotten loans at the bank for around $12,000 and for some reason they were able to still remain under their parents insurance. I am looking to remain under my parents insurance but is it possible to do so with the loan I am trying to obtain? If not, then what are some other solutions to purchasing this car because I want it reallll bad. Any type of personal loans I could apply for? or any other solutions?
The bank is making me have the car insured under my name. Thats the problem. I have gotten quotes from several different insurance companies and not one of them estimated under 500 dollars a month. Now thats just something I can’t afford.

Some Additional Resources:
http://www.dart-creations.com/BI/bc/auto+refinance+with+bad+credit.html
auto refinance with bad credit – Refinancing your auto loan is just like refinancing a house. Method works in the same manner anywhere it’s offered.

http://www.econ.jhu.edu/
Department of Economics at the Johns Hopkins University.

http://www.autocreditfinders.com/
Auto Credit Finders is an auto loan specialist helping people find good or bad credit auto and car loans since 1997.

I would put the loan in my parents name but I also want my name to be the primary name because I want to establish some form of credit. I have no line of credit towards me as of now. But if worse comes to worse, I might have to to get the loan entirely through my dad. Not sure if my mom and dad have that great of credit though thats the problem. Thats why I wanted to get my aunt to co-sign. But hopefully if worse comes to worse my parents credit will be good enough.

How To Live Frugally and Cheaply

currently i am paying off an $8700 loan at 15% interest. my payments are now $235 per month. i plan on getting refinanced at a much better interest rate with my credit union in a few months. (they require 6 on-time payments before they’ll refinance me. i’m getting ready to make my 3rd of 48 payments.
i would like to start paying about $20 or $30 on the premium — which i would add to each check i send.

Some Additional Resources:
http://www.autoloans.us/refinancing.php
Auto Refinance – Car Refinancing, Auto Loan Refinancing for bad credit at low rates with our free auto refinance quote service. Auto refinancing an auto

http://www.theautofinder.com/
Auto Loans – Find Car Finance options for people with bad credit and a secure. They specialize in helping you to refinance your current car loan to lower

but does it make sense to do this now (at 15% interest), or should i wait ’til i refinance at maybe around 1/2 that rate?

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