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In most states you can not just cancel a joint policy if the people all live in the same house. Example, husband has bad driving record, wife wants to take him off just to save money. She can not do so, because the insurance companies automatically assume no matter what, husband will drive, on the policy or not. One party or the other will have to prove they live elsewhere. Or....one party can get their own insurance, and then go to company 1 and prove coverage from another company, states will vary, so check with your company.
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