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ZingZongZaddy t1_j0dbmw4 wrote

Who did you try to go through? Hard to offer suggestions if we don't know what you've already tried. It should be easy enough to just not list them as a driver on your policy. Maybe you need to remove his name from the registration if he's on it.

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my-religion-is-love OP t1_j0dclqx wrote

But we're married, couldn't I get in trouble for not disclosing that? As I said they won't let me not list him as a driver because of our relationship and living arrangements, he doesn't have a license anymore and they say that doesn't matter.

I tried Geico, Progressive, USAA, State Farm. Getting scared to try more if I'm just gonna get kicked out, don't really need 50 agencies calling me everyday for 6 months lol

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dropinthebucket207 t1_j0dd3lr wrote

Have you tried an insurance broker? You might find one at your local bank. You could explain the situation to the broker and they might have better advice than randos on reddit

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LaChanz t1_j0dkzi3 wrote

I agree. I was self employed and needed several types of insurance so I went to Kyes in Farmington. Great customer service and they do always try to find me the best prices.

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maggiecme t1_j0ehedv wrote

You will need to go to a local independent insurance agency. They are authorized by a lot of insurance companies so they will give you several quotes. If you are truly too high risk for standard insurance companies, there is a group of companies that are in a high-risk pool and you'll be placed with one of them. you didn't mention where you are in Maine but look for an independent agent that isn't tied to a single insurance company. All of the companies you mentioned are direct writers or captive agents.

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lama_drama99 t1_j0e7c5q wrote

I don't think you'd have to insure him if he doesn't have a license. You have to put him on legally of he drives but where he doesn't I don't see why you even have to mention him.

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my-religion-is-love OP t1_j0espri wrote

Because his license was suspended, I worry they'll claim fraud if I don't mention that. He doesn't drive yes but he is able to so they still want his info. They do the same to your parents when you turn 16 even if you don't have a license yet.

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lama_drama99 t1_j0etn7m wrote

They didn't to mine, my parents didn't have to do anything with me even when I had a permit.

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sledbelly t1_j0irwhg wrote

I just had to add my 15 year old to my insurance as a permitted driver.

We were told by his drivers ed that it was state law that we had to notify our insurance once he received his permit.

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lama_drama99 t1_j0it3vv wrote

Hm maybe it's a new thing? I was never insured independently or through my parents until I got my license. I also did have to renew my permit because I didn't take my test within the 2 years or receiving it. I think it's definitely smart either way to have your teen insured though

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lama_drama99 t1_j0iuwa7 wrote

It also is possible my parents just didn't know they had to add me. Considering a refused to drive most of the time anyway as a teen lol They did add my sister once she got her license.

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kauaime t1_j0ddiao wrote

Try Liberty Mutual ( it is all done via online ) and just put the policy in your name and the only driver. Worth a try.

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sledbelly t1_j0dumiy wrote

She would still have to disclose that she’s married though and then they will have her put him on the policy.

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