There are many different factors that go into calculating your insurance rate. At The Zebra, we can quote you with over 200 companies at once for your mother. You can also give us a call at 833-768-7789. Since you would be the owner of the vehicle, you would also need to listed on the policy as an additional interest. If you will be driving the car, you will want to be listed as a driver. If you are not going to be driving the vehicle, then you would want to be listed as an excluded driver. Good luck and if you have any questions, don't hesitate to ask.