Will having another licensed driver in the household raise insurance?

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      Anonymous
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      Last weekend I got my JOL. I have my own car, in my father’s name, which will be insured and registered under his plan. The problem is, I live with my mother. She insists that regardless, another licensed driver will raise her rates. Is there any way I can sign a form or something that will tell them that I will not drive her car so her insurance rate stays the same?

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