Why Has My Insurance Not Gone Down When I Dropped My Daughter? 
Your daughter was not the prominent rating factor for the vehicle . Since you only have two cars and 3 drivers you were rating a spare driver . I would assume the other driver who is not yourself has a impact on the rate . Either a young driver or a driver with some violations may be in play . Actually your agent should be able to look at your policy and easily figure out what is driving the rate . You say she was paying 900.00 for the car she was rated on but actually this would be been inaccurate in the first place . Hard to explain in this type of format . Call your agent to get a better explanation since he or she has details of your policy . 