When you go to the insurance company always tell them that you are married, that really helps reduce the rate. they will ask ur wife's name...just make up a name and tell em' that she does not drive and if they further inquire.....tell em' that she is in nepal and u do not have any proof of marriage (if asked for the proof). i was suggested by an agent  to do so and it worked in my case and in the case of my friends too. just give a try...u wont regret