I just turned 18 and I don't have credit. My mom took my car for some stuff I did and she says the only way she'll give it back is if it gets signed over to my name and if I pay the entirety of my car insurance. I went online and got some quotes and it turns out that it's cheaper for me to just get off my parents insurance and start my own policy. I have a job, but as I mentioned before, I don't have credit so this is where my problem lies. Any advice?