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A few things: Car must be in spouses name soley You, with bad record, are not technically permitted to be a driver if you live in the household WITHOUT being added to the policy, otherwise in the event of an accident, this is FRAUD! You must disclose all drivers in household - trust me on this one!

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Q: If you have a bad driving record can you get lower insurance rates by purchasing a car and getting a new policy in the name of your spouse?
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