Talk to your insurance agent about this. It's my understanding that if the car is not yours, you can be a driver under the policy, but I'm not sure. That's why you need to talk to them.
Is it required to buy my own auto insurance premium instead of additional driver under my parent's policy if I drove my parent's car to college?
Did you know that each state had its own insurance regulations? F.e. You may pay one sum of money in Texas and another one in Philadelphia. See more about these regulations at general insurance site.
