1) :balanced:
2) usually when someone (especially a spouse) lives in the same house the insurance company will require her to be listed on the policy as they assume she'll have driving access. My insurance allows me to sign others drivers off certain cars specifically stating that if they drive, they aren't liable. I wouldn't suggest this for daily drivers and healthy relationships. Even though young'ins typiically have higher rates, females generally have lower rates. You'll likely have little change, but it all depends on the insurer. You can always get a quote just to check.