Can I Take My Mom's Car To College With Me and It's Still Insured in Her Name?

Question

I'm planning to purchase a car, it will be in my moms name but it's mainly for me when i go back to school. Is it possible that i take the car and have her as the only person under the insurance so she won't have to pay the high insurance once I'm added to it? Is this possible. I heard State Farm will allow this- but I don't know if that's true or not.

Answer 1

Nope.  The car is provided for your regular use. You need to be listed on the policy. Otherwise, you risk not having coverage if an accident happens.  

Answer 2

Have your mom as a lein holder on the car this way the car is yours to a point and she can add you as a driver and save alot on insurance

Answer 3

No, it doesn't matter whose name the car is in.  Since you are a full time student, you are considered part of your Mothers household and therefore the insurance will be rated as such.  There is no way around it that I know of.