Need to borrow your parents' car? Good news: you can drive it without your own policy, thanks to permissive use coverage. This means their insurance extends to you when you have permission and drive occasionally — think weekend trips or quick errands.
Here's where it gets tricky: "occasional" means different things to different insurers. GEICO might allow you to drive twice weekly, but State Farm may draw the line at a few times monthly. Regular commuting changes everything. You'll need to join their policy as a named driver.
Skip this step, and you're risking serious problems. Insurance companies can deny claims when they discover unlisted regular drivers, leaving your family to cover accident costs. Call their insurer to clarify the rules before you make driving their car a habit.