For example, New York requires the owner of a car to register and insure it. The New York State Department of Motor Vehicles states that if an insurance policy is changed to a different name than that of the registrant, the state will consider there to be a lapse in insurance coverage on the vehicle. The DMV would then suspend both the registration on the car and the driver's license of the registrant.If you are driving a relative or friend's car on a regular basis, first see if the owner can have you added to their policy as a driver to be properly covered. (See “ Who can drive your car?”) This may be an easier solution than you finding your own policy for the vehicle and you could pay your portion of the insurance bill to the car owner. If that is not possible, and you have possession of the car at all times, then comparison shop with several car insurance companies to find the one that will offer you the policy you need at the best rates. This may mean calling agents to discuss the complexity of your situation.