Unlike health insurance, there's no age limit when it comes to car insurance. As long as your parents' home is your permanent residence, you can stay on their insurance as a registered driver. Before installing the car seat, make sure you understand the function and location of the vehicle and the parts of the car seat that are used in the installation. Your child must remain in a rear-facing safety seat until they reach the maximum height or weight limit allowed by the seat manufacturer.
Before installing the car seat, be sure to familiarize yourself with the vehicle and car seat parts used in the installation process and these important safety tips during installation. If you or your spouse own a vehicle, you may decide to insure it with your own car insurance policy or with your parent's policy. The NHTSA recommends always using a strap with a forward-facing car seat installed on the vehicle's seat belt OR on the lower anchors, as long as allowed by both the seat manufacturer and the vehicle. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provision, limitation, or exclusion that is expressly stated in any insurance policy.
And unlike health insurance, there's no age limit that prevents you from staying on your parents' car insurance. No, liability insurance only pays for other people's injuries and property damage for which the insured driver is legally responsible. Car seats and car safety seats provide protection for babies and children in the event of an accident, but car accidents are the leading cause of death among children ages 1 to 13. If you and your spouse live with your parents and drive your vehicles, you can stay on your car insurance policy as listed drivers. Once your child exceeds the limits set by the vehicle or car seat manufacturer for the lower anchors, stop using the lower anchors and reinstall the safety seat with the vehicle's seat belt.
Keep your child in a forward-facing car seat with a harness and leash until they reach the maximum height or weight limit allowed by the seat manufacturer. It's common practice for insurance companies to allow you to rent a vehicle while yours is being repaired.