Many insurers, including Progressive, allow you to add a friend to an auto insurance policy as a driver if you share a permanent residence. Most insurers will also allow you to share a joint car insurance policy with a friend by adding both sets of cars to the policy. To add a car to your policy, you can update your policy online or call your insurance company. Usually, you only need to provide the vehicle identification number (VIN), license plate number, and the make and model of the vehicle.
You may also be asked about the mileage and condition of the vehicle, depending on the insurer. Keep in mind that some insurers may limit the number of vehicles that can be included in a policy. In most cases, you can add an unmarried couple to your car insurance policy if you both share a permanent residence. Sharing car insurance with someone else can result in a lower price than buying two separate policies.
If you allow someone else to lend you your car, your insurance policy will continue to cover it. Insurers call this permissive use. This is true even when the driver has their own insurance. However, both your insurance policy and your driver's insurance may apply in the event of an accident.
The type of insurance you pay and the amount will vary depending on the language of both policies and the details of the accident. 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. If the driver uses your car frequently or lives in your home, your insurer may determine that they should have added it to your policy as a driver. Whether you should add a boyfriend, girlfriend, fiancé, or domestic partner to your car insurance policy will depend on your insurance company.
Adding a driver to your insurance policy means that they are an insured driver under your policy when you drive your car. You must add any regular driver of your car to your insurance policy to cover damage caused by accidents. When you add someone to your car insurance, you can call your car insurance company or log into your online account to add a new driver to your policy. Most insurers will also allow you to share a single car insurance policy with someone if you live with that person.
If you share car insurance with your girlfriend, boyfriend, fiancé or domestic partner and you break up, your partner will have to take out their own insurance policy, since they no longer live together or drive each other's vehicles. Most insurers allow you to add a partner, such as a boyfriend, girlfriend, fiancé, or domestic partner, to your car insurance policy if you live together. The cost of adding a driver to your car insurance or sharing a policy varies depending on factors such as the driver's age and motor vehicle history. In most cases, your insurance can cover the accident, but depending on the limits of your policy and the details of the accident, the driver's insurance policy may cover all or part of the claim.
Most insurance companies allow (and may require) you to add another driver to your car insurance policy if the person drives the insured cars regularly or shares the same permanent residence. With most insurers, unmarried couples can share a joint auto insurance policy or add to each other as drivers listed on separate policies. You can generally add someone else's car to your policy if you also share the same car insurance policy, which normally also requires living together.