But the "other" policy where you do put her on means she is living there and using their car so that other policy will increase no?
if I have a 19 year daughter and don't want to add her on to my policy due to price increase if add her to another persons policy(Sammy) wont Sammy's policy increase?
If she's living with you and using your car she has has to be on your policy. If she is not living with you and not using your car, many insurance carriers will allow you to add her to your policy without really costing you, and this can bring down the price a lot when you actually have to add her.