Coverage & Claims

What on my driving record is raising my car insurance premium

There's a couple of things to consider here. First, the at-fault accident you had in January 2014 is over 3 years ago, so it shouldn't be impacting your premium anymore.

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Can an insurance company force add me to a policy even if I do not drive?

Insurance companies generally require any household member of driving age be listed on a policy. Policyholders normally have the option, however, to "exclude" anyone they don't want added to their policy.

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Coverage & Claims

If I wrecked my daughter's car and she is covered on my policy, how do I keep her rate from increasing?

The first thing I'd like to address is the concern about your daughter's portion of the premium increasing. Since you are both covered on the same policy the overall premium is going to increase if a claim is filed.
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