If you drive a family car, you can be added to your parents' policy; however, the cost of the policy will increase. If you have your own automobile, your parents' company may sell you a separate policy but at a different rate than your parents. You must also be under a certain age in Montana, that being 25, and be either living at home or a fulltime student. Your parents' name must also appear on the title of the car you drive.
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