I am college student who is going to school in Boston where public transportation is readily available. I wanted to get on my parents’ car insurance plan, as I don’t currently own a vehicle, but most plans require you to pay monthly to have the car insured. Since I’d only need to use the car during three and a half months of the year(summer) it seemed kind of wasteful money-wise to pay each month to drive an insured vehicle. Is there such a plan in existence? Just wondering.