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. An insurer may choose to cancel a policy before the end of the term, although the permitted reasons may vary by state. 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. In addition to standard coverage options, Geico offers several optional add-ons, such as emergency roadside assistance, vehicle rental reimbursement and mechanical breakdown insurance. If you add your teen driver to your car insurance policy, they'll benefit from the same protection as you. If you have a DUI on your record, your car insurance rate will be high regardless of the insurance provider you choose.
And while a driver may be considered high-risk for one insurance company, it may not be for another insurance company. The most common reasons why auto insurance isn't renewed vary by state and insurer and include multiple accidents and too many insurance claims. If your child goes to school and has their own vehicle, the car can normally remain on their multi-car insurance policy as long as the student continues to use their home as their primary address. It also offers a variety of other insurance products, including homeowners insurance and renters insurance, that make it easy to combine and save on coverage.
JD Power is among the best auto insurance companies available in terms of customer satisfaction and offers some of the most affordable rates for people with at-fault accidents, speeding tickets, driving under the influence of alcohol, or driving drunk. For example, car insurance companies may consider you high-risk if you have driving violations on your record, have been convicted of driving under the influence of alcohol, are under 25 or over 70, or have bad credit (depending on your state). You'll still pay more for car insurance if you're considered high-risk, but since all insurers value risk differently, some may offer you much more affordable premiums than others. If your car insurance company classifies you as a high-risk driver, you're likely to pay more than the average driver.
Progressive offers insurance after a DUI if that person has a valid license and can drive legally. While it doesn't offer many age-specific discounts, older drivers can get several discounts through Progressive, further reducing their overall car insurance costs. Insurance companies have different rules about who can or cannot be added to an auto insurance policy, as well as how many drivers can be on the list.