Jeff, I feel for you. When I was 21 with a 280Z and just liability $800/yr. Now I've got a 370 with full coverage and I just got raised to $800/yr. Being older helps without question. I bet I push my car as hard as most too.
Since USAA never asked me for proof of marriage, just tell your carrier you are married. If they press you later just tell them New York does not recognize your type of marriage.
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