make beleive you did not know and take chances. Put on you license a different address. Let me tell you if the insurance company has to shell out over a hundred thousand dollars they will investigate you and your place of residence if you should have, been covered by them and you were not. They Will Sue You if you should have been placed on the insurance.
this is true, i have the same problom i was the first in my family to get a license and i felt bad about the cost that my father will get, so i thought i will just change my address and this way im just a visiter at home so there is no charge and thats it, but i asked a frum insurance worker if that will work and he told me if you get a scratch on the car that costs 500$ to fix then it will prob be fine but if they need to pay for someones lambrgini then they will investigate, so i ended up telling the insurance company that im away from home most of the time so insted of 1600 more a year its only 800 more a year i am still taking a risk but at least im somewhat covered, and btw there is not such a big difference between one son and three sons the big cost is for the first son