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Auto Insurance

My dad has my car and his car on his policy, I am currently in school and do not drive my car because I live in a dorm and no cars are allowed. I am not a driver listed on the policy and the insurance company wants to add me as a driver which is going to double my dad’s policy. Is there any other type if auto insurance would just cover me as a driver for any car I use? Any suggesstion??? Help

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