A. Yes, you can stay on your parent’s car insurance policy, as long as your permanent address is the same as your parent’s. If you are still a college student and still cannot pay for your own bills — typically, insurance providers allow you to stay on your parent’s policy. It is for the reason that insurance providers want assurance that your policy can be paid in time. Furthermore, if you stay on your parent’s policy, it can guarantee you a well-established driving record, and a discount for insuring multiple drivers. However, if you want to purchase your own insurance — you need to bear in mind that it’s the responsibility of the car owner to insure the vehicle. So, if you are decided to have one, you should consider transferring the title of the car to yours, if it’s on your parent’s name.