1.) Not including your spouse or including your domestic partner as your spouse.

"I just want a quote for myself without my husband on it because of his bad driving record". Most car insurance companies will NOT
give you a quote without adding your legally-married-living-in-the-same-house spouse. Also, your domestic partner (from a car insurance
point-of-view in most states) is considered an additional single/divorced/widowed driver living in your household.