Are there any special considerations for drivers with multiple policies with progressive car insurance high point?

Multi-car insurance means having multiple vehicles in an auto insurance policy maintained in the same place. Tell your insurance company if you have another vehicle so that you can add it to your policy. When you add someone to your car insurance, you can call your car insurance company or log in to your online account to add a new driver to your policy. Your insurance company will generally need the name, date of birth, driving history, license information, and vehicle identification number (VIN) if you also plan to share a policy that covers both vehicles.

Completing a defensive driving course can help you save on car insurance if your insurance company offers a discount for defensive drivers. The actual amount of the discount will vary depending on your insurer, age, state and other factors. It doesn't matter who's listed first on the policy. If you include your spouse as a driver, their driving record will affect your fare as well.

Progressive offers a wide variety of discounts that can help you lower your total car insurance bill. For example, drivers can get a discount of up to 5% if they have two or more policies with Progressive. Or you can save an average of 10% on your premium if you add a full-time student who maintains a B average or higher to your policy. If you have a speeding ticket, an at-fault accident, or a DUI on your driving record, it's still possible to get coverage.

To make your coverage more affordable, research and compare several quotes, look for opportunities to bundle, and work on your credit rating. If you are married and live in the same household, Progressive and many other insurers require that you and your spouse be covered by the same policy. Each insurer uses its own methods to calculate insurance premiums, so the rate you have with your current provider might not be the best deal. Practicing safe driving habits and avoiding traffic violations can help you qualify for the lowest long-term Progressive insurance rates.

The best way to lower your teen's auto insurance rate is to add it to your current insurance policy if you currently have your own and then look for discounts to further reduce the cost. If your spouse drives your car and damages it, it's normally covered if you add comprehensive and collision coverage to that car. Opting for a higher deductible on any of your Progressive insurance policies can lower your premium. Progressive and many other insurers offer multi-vehicle discounts for having multiple vehicles on a single policy.

Expensive cars, sports cars and cars with high theft rates are considered to be riskier to insure than cheaper and more practical vehicles. Most major insurers offer several discounts designed to help reduce the cost of insuring a teen driver. Getting quotes from different car insurance companies will help you make sure that you're paying the right price for the coverage you need. Combining policies, setting up automatic payment and going paperless are easy ways to get a discount on car insurance.

To find the best insurance companies for high-risk drivers, CNBC Select analyzed dozens of insurers that offer coverage to high-risk drivers. And while a driver may be considered high-risk for one insurance company, it may not be for another insurance company.