If you have your car insurance under a parents name to make it cheaper and have yourself listed as a non-regular driver, and the insurance premium is NOT based on the age of the youngest driver and a claim is made and it is determined that you were the regular driver and had actually obtained insurance by providing false or misleading information to the insurance company you can, and more than likey will be charged with a crime.
I have been an investigator for 4 years for an insurance company, albeit health insurance, but I have seen a number of people get themselves into trouble for doing similar things.
My suggestion, as mitchy_'s, if you can't afford the car AND insurance on your own, you CAN'T afford the car.
It's people who do these types of things that cause the problems in the first place. Why do you think premiums go up? No, it's not because the companies are greedy, it's usually because of the following:
General inflation
Expensive parts (usually imports because the parts usually need to be sourced from Japan)
Dickheads committing fraud
I would strongly suggest that in the event you ARE committing fraud, or have misled your insurance company into charging you a lower premium through non-disclosure or blatant lying, that you:
1. Rectify it immediately because a criminal conviction at any age can severley stuff up the rest of your life.
2. Don't go admitting it on public forums.
Jason.