We had to remove my 19 year old daughter from our policy due to her claims & list her as an excluded driver in order to maintain coverage. In the meantime I found out that we won’t be renewed due to past history, my wife & I don’t have any at fault accidents but there were 3 claims paid by another person at fault with damages to our vehicle & 2 comprehensive claims paid by our carrier, one for a deer hitting the car & another for road debris being kicked up by the vehicle in front of us resulting in $5k in damages. If we put our daughter on a separate policy & list her as an excluded driver & have my wife & I only on the policy, what are the chances of getting a coverage by a top tier company like Allstate or State Farm & getting a decent rate. How many years before we can get preferred rates again? We got good rates for years & our kids have ruined it for us.