If I Have Car Insurance Can I Drive Any Car? 
You could technically drive any car at any point in time . Just because you have auto insurance , that does not mean that you are covered when you drive any vehicle . Your liability insurance will follow you if you happen to drive another vehicle on a very occasional basis . Comprehensive and Collision coverages are tied to your vehicle only and will not provide coverage for any other vehicle that you drive . Your auto insurance rates are based on the vehicle that you own . 