Just something to think about for parents who still have their contracted cadets on their auto policy. DS just contracted a short while ago, so I was just able to split him off of our auto insurance policy and put him on his own with a company that specializes in insurance for military members (not sure if I can mention names??), and ended up saving $1,000 per year by doing so. Transferred his renter's insurance to same company (for less premium and better coverage) and also received multi-policy discount. Do not have the vehicle in his name yet (will do that shortly) but it is not a necessity if vehicle is in parent's name (per agent on phone), but if you keep the vehicle in your name I would suggest you maintain high coverage levels to continue to protect your assets. Just something to take into consideration if you have a DS or DD that is contracted.