If your spouse drives your car and crashes into another vehicle, you must be covered by the policy's liability coverage in case you are at fault. Liability coverage will cover damage they cause to other cars and surrounding properties (mailboxes, telephone poles, etc.) Liability coverage is standard in almost every state and extends to all drivers included in a policy, regardless of the policy car they drive. The same would apply if you drive your spouse's car and you crash into someone else's vehicle. In most cases, an insurance policy covers all drivers in a single household.
This also applies to friends who all live together under the same roof. So, assuming that all your friends live at the same address, you can add more than one friend to your car insurance policy. Most insurers allow up to four drivers on a single policy. Every state requires auto insurance companies to declare how they calculate rates to customers, and insurers cannot deviate from these presented rates.
Sharing an auto insurance policy, on the other hand, typically means that both vehicles are covered by a single policy. If you and your spouse have a good driving record, a joint car insurance policy can save you money with lower premiums and a discount for multiple cars (if your insurer offers one). Sharing a car insurance policy with a friend could help both of you save money by splitting the costs of some car insurance coverages. Just add any vehicle that belongs to your spouse, family member or roommate to your policy and you'll receive the discount for several vehicles as long as the car is mainly stored in your home.
You can change insurers at any time, even if you just renewed your policy with another insurance company. If you're married and living in separate homes, that's fine and, in fact, it's necessary to have separate car insurance policies, since your vehicles are parked in different places. Yes, you can get a multi-car discount if you have more than one vehicle on your Progressive auto insurance policy. We charge a higher rate for customers who are more likely to file claims and a cheaper auto insurance rate for customers who are least likely to file claims.
For example, married couples who live together and share car insurance can add both of their cars to their policy, even if the vehicles aren't jointly owned by the couple. In many states, you have the option of excluding your spouse from your auto insurance policy, but some states only allow it for certain reasons, such as not having a license or already having a policy. Check insurance rates through several companies to ensure you're getting the most affordable insurance rate. You can pay for your car insurance policy by credit card, PayPal, online check, personal check, money order, or electronic funds transfer (EFT) from your checking account.
If you lend your car to someone and that person causes an accident, Progressive may cover some of the damages they are responsible for.