How to drop a teen driver from insurance?

my mom called up Hartford Insurance just to ask how much the insurance would go up if were added to it...during the process the lady handling our call said she needed my licence number and then proceeded to add me to the insurance... my mom explained that i don't have a car, nor will i be driving, but they would not cancel my insurance citing they would be liable if were to drive any of my friends cars... my questions is how do i get myself off the insurance since my mom does want to pay the extra $960 per year

Public Comments

1. For a mistake like this, she needs to go to there office and DEMAND they take you off explaining to them that you being added was there fault. Other than that, I know when my mom added my sister, they would NOT take her off my mom's insurance. She had to cancel with that company all together and find a new one.
2. Change your insurer, and do not put you on it. But your family could be sued for everything they own if you drive anyone elses car and have a wreck.
3. All household members having a license must be added to the policy even if they don't have a car or will be driving. There have been too many cases of a teen "stealing" the car keys and getting into an accident. Yes, they will be liable if you drive your friends cars or the family cars so you must pay. If the lady didn't add you she'd likely get reprimanded or fired. The only way to get dropped from the policy is to move out of the house. If you do as has been suggested and change insurance companies and not add you your family could loose everything in a lawsuit. In my opinion the $960 per year is a lot better than having your wages garnished for the rest of your life. I knew of one kid in my state which did the same thing, had an accident, and is paying 30% of his wages for the rest of his life.
4. It depends on the insurance provider and what state you live in. Some states and insurance providers require all minors with their licence in the household be insured. If that is the case then you are stuck unless you move to a state that doesn't have that requirement or your mom switches to a company that doesn't. I would recomend your mother call her agent rather than customer service to get this straightened out. More likely than not her agent will be more accomodating. If that doesn't work and if you don't have a job you could always get a job and give your mom the money to help make up the difference. I realize that probably isn't your idea of a good answer but it would solve the problem and it is a nice gesture.
5. OK, you can turn your driver's license in, so that you're not a licensed operator. Either you have to be listed on her policy, OR, you have to be excluded as an operator on her policy - and a lot of companies won't do this, because, we all KNOW you're going to be driving - you wouldn't have a LICENSE if you weren't driving. Or you can turn in your license, so you're not licensed to drive. The insurance companies can pull a record, of all the licensed people at your house, so calling another insurance company and getting new insurance, and not telling them about you, well, first of all, it's probably not going to work, and second, it's FRAUD, and will cause you to flat out not be covered. OR her car, if you're driving it.
6. carquotes.fateback.com - check this one. As I remember they have lowest car insurance rates for teens and young drivers.