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@faithful_jim You should have been listed on your mother's insurance, so with luck you'll only be paying for inexperienced operator rating for another year. Make sure that anyone you quote with knows that you were under your mom's coverage and ask if they can confirm how much longer you'd be...

@blmartinez Farmers and USAA also held back the most among major carriers in taking rate last year. This is only sort of newsworthy.

@martina1 Some companies will consider non-US driving experience. Most will not. Your best bet is to reach out to an independent agent who can quote with multiple companies and find something that best suits your circumstances. If you are in a large market, you might be able to find an agent...

@brandon05w Call your insurer and ask them to run the numbers on what your policy would cost if you got rid of a couple of vehicles. Try different combinations of vehicles, so you can see which ones are driving the cost. Then you and your wife can have a better informed decision on which cars...

@bcs90 But if their mother has a home or renters policy, OP might qualify for a multiple line / bundling discount. That's why they asked.

@holl Check your state to see how e-bikes are legislated and what rules govern them. If there are licensing, registration, or age requirements, it's probably not going to fall under those exceptions that would allow it to be covered.