Oh, so it's your dad's car and you're just an occasional driver? then that is different. Since the insurance company is charging you a certain amount based on the percentage of the time you will be driving the car.

I have had to go to the DMV and have a title switched from my name to someone elses before... it's like $30 or something (whatever it is these days to register a car) and no big deal... why not just do that?