Good question! In Oregon, car insurance follows the car. Yes, you bought an auto policy from an independent or exclusive agent or from a direct writer company and it has your name at the top of the policy. However, the auto insurance is for the vehicles listed on the policy not any car you drive. The owner of each vehicle is responsible for insuring his or her own automobile. If he lends it out to someone else, he must keep it covered for at least the basic coverages.