General Insurance

If you're married but separated do you have to include spouse on car insurance?

If you are legally separated, some companies but not all, will not make you list your spouse. If you are not legally separated then you will need to list your spouse but they can be excluded which means they will not be covered to drive on the policy and being married typically lowers your rate.

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General Insurance

Should my daughter have her own insurance policy?

It would make the most sense for her to have her own policy since she will be traveling, and potentially living, in multiple states after no longer being considered a student. Her "home address", as far as an insurance company is concerned, is where she keeps the vehicle for at least 6 months out of the year.

Eligibility

Is it possible to insure three vehicles with two different companies?

You should be able to find a company that would only insure the other vehicle, if that's what you want to do. However, since there is a base cost associated with each policy it's normally recommended that you combine all of your vehicles on one policy since it's usually cheaper.
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