thelifeandtimes

Here's the deal. I am 19 years old and am moving out of my parents house in July. This means no auto insurance for me. The last few days I have been going online on the major insurance companies to get quotes for an idea of how much it is going to cost per month.

The question is, for a 19 year old full time college student, who makes a decent living, what coverage levels should I get? I don't want to have to spend an arm and a leg(thats what college is for), but I also don't want me or my car to be underissured. Any advice?

A little side question. If my car is under my mom's name and not mine, does the current insurance policy for the family follow the car owner or the car driver?

Thanks in advance.