Can a title be in my name and my mother puts me on the insurance policy? 
If the title of the car is placed in your name , then you must carrier your own insurance , normally . Some insurance companies , for example Safeco and others , will not allow you to be on another policy if you live in the same home . If you live in the same home as your mother , you might be able to have both your own policy and still receive the discounts that come with your mom 's policy . For example , Allied allows all household members to be listed on separate policies -LRB- like your mom and you since you have your own titled auto -RRB- , but gives you a multi-car discount , etc. . What is so important is that you tell your insurance company up-front know that she does n't `` own '' the car , some companies can just reference her name as having an insurable interest in the car . Just tell your agent up-front . If something happens , and you discussed it with him/her it is his/her responsibility to insure it correctly/accurately . 