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Have your parents talk to their insurance agent. If you aren't going to have your own car, it may not cost anything to keep you on their insurance.
I have 2 daughters, one of which lives at home. In my case, I dropped the daughter that lives at home because it wasn't worth $500/year to insure her on my cars ( it was cheaper for her to get her own coverage on her car). The daughter that does not live at home is covered since it was free.
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