<prompt> Human: Im in my early 20s and Ive reached that point where Im ready to buy my first used car probably going to be an early 00s camry and had a question about insurance. I know that rates tend to be very high for younger people in the U.S but what technically is stopping me form just registering the car under my parents and having the car insured under their name for a cheaper payment this is assuming that I dont get full coverage for myself and only insure the car.  <response>: If you dont live with your parents, thats fraud and is a reason to deny a claim. If you do, then you can. Plenty of people do. Thats what most high schoolers do. 