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Neptune
Also regarding the Auto Insurance question.

A new driver is considered a "High Profile" driver until about the age of 21. After that, the driver is eligible for lower insurance premiums if he or she has not had any traffic violations.

Do I have to get insurance if I were let my daughter drive my vehicle?

No, not if I already have insurance on it, which I do; my Expedition is Fully Insured.
The rule here, is the insurance follows the vehicle, not the driver. I have let my family and friends drive my vehicle and they are not on my policy.
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