[meb885]

I have state farm, and My policies are setup much the same as yours. My father is the primary driver of my Camaro, which he has never even sat in the drivers seat of (the insurance IS in both of our names on both my camaro and my trailblazer)

However it does not matter who is driving what vehicles or the names on the insurance... As long as soemeone is not specifically listed as excluded from driving (at one point my brother was excluded from ALL our car policies as his accident history would have hiked our rates thru the roof....)

I am rated on my trailblazer, he is rated on my camaro (and his HHR), it keeps my insurance down and is 100% legal and fine. My name is not listed on my Mother's policy for example but i am 100% covered if i was to drive her car. Same with the Girlfriend's vehicles.