How can the auto insurance company force me to be added to my dad's policy?

I upgraded from a permit to a driver's license a few weeks ago. My dad just received an email from State Farm saying they are "force adding" me to the policy and that I can't be removed. I don't drive the car because it is way too expensive for my dad to have me on his policy. What can we do?

Answer
“Most insurance carriers require anyone living in the household with an active driver’s license to be an active driver on the policy. Even though you don’t plan to drive the car, having an inexperienced driver in the household presents a “”risk”” they must account for.
Review the following information with State Farm to make sure your policy is being rated as low as it can be:
  • Are you getting a good student discount?
  • Are you getting the driver training discount?
  • Are you listed as the occasional operator?
You and your dad may also want to get quotes for cheap car insurance from different carriers. Some carriers may have better rates for new drivers, and some may offer your father a driver exclusion.
If you can be excluded from the policy, this will lower the rate, but this means you cannot drive the car at all until you are added back to the policy as a driver.”
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Shannon Martin
Answered on May 06, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
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