True but depending on parents assets may be prudent to purchase separately. Remember the afluenza ahole. His parents and that company paid a lot more than they legally needed to if they were smarter.Welcome to the forum. Yes, you'll need to discuss this with your parents insurance agent. On your own it will be very expensive.
Try AAA. We switched to AAA and saved substantial $$$. And when my TJ was stolen 10 years ago, they covered all its many extras and modifications I had added over the years even though I had never formally notified them of their presence. I just gave them many pages of thorough documentation, receipts, photos, and webpages to show them all.Im 19 and under my parents insurance still. Geico, 1998 jeep "stock" is 699/6 months. Im currently trying to find a better insurance that can also cover modifications