* Your parents must be willing to add you to their policy. This is the most important requirement, as you cannot be insured under someone else's policy without their permission.
* You must live at the same address as your parents. In most states, you must live at the same address as the policyholder in order to be covered under their policy.
* You must be a listed driver on the policy. In addition to adding you to the policy, your parents must also list you as a driver on the policy. This means that they must provide the insurance company with your name, date of birth, and driver's license number.
If you meet all of these requirements, you should be able to have a car title in your name and still be insured under your parents' policy. However, it is always a good idea to double-check with your insurance company to make sure.
There are a few benefits to having a car title in your name while being insured under your parents' policy.
* It can help you build your credit history. As a young driver, it can be difficult to build your credit history. However, by having a car title in your name and making regular payments on your car insurance, you can start to build a positive credit history.
* It can make it easier to get your own insurance in the future. Once you have your own insurance, you may find that it is more affordable than if you had never been insured before. This is because having a good driving history can help you to qualify for lower insurance rates.
