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the car insurance should be have in title owner.That person will be primary driver in car.so if person have old licence get some discount.It depends on where the person living place like city or town or specfic some state driving history,accident check ,violations and tickets.But if the person add somebody in driving car too.So need to add some more money with regular insurance.That also depend on second driver driving history too.if 2nd driver have new licence company try too add some extra money.Bec of insuffient experience

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