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In case anyone is in a similar situation:

I found out some insurance companies allow exclusions (signed docs) that they will not drive. Some states require a licensed person to have insurance even if they don't drive, luckily Maryland is not one.

Erie Insurance is a company in my area that allows the exclusion. Auto was a little higher than State Farm who I'm with now, however Home and Umbrella are less so there is a little annual savings of $82 just apples to apples with current policies. The major difference is that SF wanted $2088 a year to insure someone who won't be driving. That is just a waste of money. When he decides to drive, or needs to drive we can simply call up and get him started.
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