One of the biggest and the most valuable pros of this situation is that you can easily avail cheaper auto insurance. This is good news as you will save a lot of money but the lists of disadvantages are greater. There will be no coverage till the car is in your mother’s name. There will be really no history of your insurance. Any claims will be paid only to your mother and not you. The car will be legally your mother’s as the insurance is in her name and all the processes will be done by her and you will have no role in it.