Hey guys, I need to get Insurance soon for my 99 Sentra GXE here in jersey. I know the car insurance rates here suck

My parents are divorced and I live with my mom who I want to piggyback with, but her rates are like 7k a year, and also she says if i register that im a driver in the house that her insurance will go up just from that

I talked to my dad about going on his insurance and he said that I can't do it since i don't live with him and also because if I DO piggy with him, if i get into a car accident and kill someone they could take the house away.

Am i supposed to do???