can anyone well versed in car insurance policies help me out?

[Uptown WaYo87]

alright heres the deal, i had my car under my moms name for the past 2 years, now that time is up. I live in NYS and currently my driving record is shyt (got like 18 points, most on my first year of driving). some of the points are clearing out my record by february but thats irrelevant right now

so what i plan to do is put the car under my wifes name and get insurance with her info...she got a clean record, shes older than 25, and been in one accident in the past 1-3 years, her fault . BUT we recently got married, not too long ago i changed the adress on my license so me and her wont have the same one and she never updated her marital status at the dmv...because from what i heard, if they associate my name with her info, they will give her the rates they wouldve gave me...but im also reading online that you get better rates if your married

so what should i do ??? should i skip all the marriage secrecy or do i have to do it for a cheaper rate

im trying to get the cheapest rate possible so any bit of info would help

 

[MR. SNIFLES]

NOT HAVING UP TO DATE INFO ON YOUR LICENSE IS ILLEGAL.

 

[feelosofer]

Unfortunately the insurance companies will find out one way or another about your driving record, you're going to have to take this L for a little while homie. Insurance companies can get abstracts of your driving record, going back 3-5 years depending on state regulations.