If mother is only one on the title do you add yourself to moms insurance or must have own insurance?

If your mother is the only one on the title of the vehicle, legally she is the owner and therefore responsible for insuring the vehicle. However, if you plan to drive the vehicle, you will need to be added to your mother's insurance policy as an additional driver. Adding yourself to your mother's insurance policy is generally the most straightforward and cost-effective option if you will be driving the vehicle on a regular basis. When you are added as an additional driver to your mother's policy, you will have the same coverage as your mother, and her insurance company will consider both of your driving records when determining the cost of the policy. To add yourself as an additional driver to your mother's insurance policy, your mother will need to contact her insurance company and provide your name, date of birth, driver's license number, and driving history. Depending on the insurance company, they may also require you to complete a driver information form or provide additional information. It's important to note that if you are added to your mother's insurance policy, any accidents or claims that you are involved in will be reflected on both your driving record and your mother's driving record. This means that if you have a poor driving record, it could affect your mother's insurance rates. Alternatively, you could also consider purchasing your own insurance policy if you plan to use the vehicle frequently or exclusively. To do this, you would need to be listed as the primary owner of the vehicle and the policyholder. This option may be more expensive than being added to your mother's policy, but it may be necessary if you plan to use the vehicle frequently or if your driving record could significantly impact your mother's insurance rates. When shopping for insurance, be sure to compare quotes from multiple insurance companies to find the best coverage at the best price. Consider the coverage limits, deductibles, and any additional benefits or features that may be included in the policy.