There is no easy answer to the question of whether you can get insurance for a car that does not have your name on the title. It really depends on the insurance company and the rules they go by. We all know people that have insurance on a vehicle that is not in their name – but we may not know exactly how they got it.
One way to be sure you can insure a vehicle that is not in your name is to name the person on the title on your insurance policy also. When you give the information to the insurance agency – you can name yourself as the driver. Most of the time this is sufficient to take care of any problems. Of course, you may also want to talk with an independent agent who can compare quotes from several different top providers and find the one that will give you the best rate.
You will want to make sure you have adequate legal coverage on the car before you begin driving. If it is an older car you will probably only need liability insurance and if you owe money on the car you should probably purchase full coverage. No matter whose name is on the title, if the vehicle is involved in an accident, someone will be responsible for the damages to the other car and any injuries to the driver or the passenger. Make sure you can afford a great insurance policy by comparing quotes online.
The best way to answer the question about whether you can purchase insurance for a vehicle that is not titled to you is to speak with an independent agent. This insurance professional can check with several reputable providers to find out what their requirements are and how much a policy will cost. It is always a good idea to compare quotes to make sure you are not paying too much for car insurance.