<prompt> Human: Hey PFIm 17, almost 18. Clean driving record. My parents both drive cars, and we have 2 cars at home. I am on my parents insurance plan Progressive, but I am not a primary driver of either of the two cars. I drive them infrequently, when my parents arent using them.My grandpa passed away this Saturday, and all his possessions, including his car, were passed onto my grandmother. My grandma has no need for 2 cars, so she offered me his one. My parents are hesitant to alow me to accept this car, not becuase of maintenance or gas I would cover that, but becuase our insurance would go up since I am now the primary driver of my own car. My question is: HowWhy do we have to tell the insurance? If I just started driving his car everyday, without telling the insurance company, would I no longer be covered? Could I do that legally? Thanks!Assistant: If the car is paid off you dont need full coverage. I wouldnt recommend it but its not required. Human: Agreed. Its an older car. Im more just wondering about the coverage for me, as a male 17-year-old driver  <response>: Go online and get a free quote. Or, see if you can add the car on your parents plan and you pay your share. Itll be cheaper with multiple car discounts. 