Auto insurance question?

I am really confused about how this works. My father told me that I needed to get on the auto insurance plan. I just got my permit and I heard that you need to get insurance to drive. However, I've heard from multiple people that it's the car that gets insured, not the person. What I am asking here is: If I were to drive around in my Mom's or Dad's car (Both are insured) would I need to pay extra money on the insurance in order to have the car covered? This is just for practice reasons and I wouldn't drive without a parent/guardian. I already know that doing road work with the driving school is fine since they told me that they're covered. I live in CT if that helps.

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