Yeah if you are going to do it I think you definetly need to be covered all under the same policy. you can't just give the car to someone else who is under a different policy and then drive it all the time. John is right ours are at least all parked in the same driveway. you should have just put the title under your mom's name in the first place especially if she is willing to do that. hindsight=20/20.