A multi-car insurance policy just means that you have two or more vehicles in your policy. If you have more than one vehicle in the same direction, you can add them all to your policy. Some insurance companies may indicate that they must have a garage at the same address, but an actual garage is not required. It simply means that cars must be parked in the same direction or close to it.
Comprehensive car insurance and collision insurance are also common types of car insurance coverage, although no state requires them. 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). 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. The main reason car insurance is mandatory in almost every state is because of your personal liability (liability) if you cause an accident.
Many insurers, including Progressive, require that you add a spouse to your car insurance policy if you both live in the same household (unless your state gives you the option to exclude your spouse). 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. 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. Common law marriage is recognized in some states, and your car insurance coverage will work the same way as insurance for a married couple.
Multi-car insurance means having multiple vehicles in an auto insurance policy maintained in the same place. However, drivers who choose not to purchase auto insurance must show that they have sufficient funds to meet the state's financial responsibility requirements (PDF) in the event that they cause an accident. If your spouse drives your car and damages it, it's normally covered if you add comprehensive and collision coverage to that car. Request an auto insurance quote online or call 1-866-749-7436 and we'll ask you the right questions to properly insure you and your spouse.
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. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provision, limitation or exclusion that is expressly stated in any insurance policy. Yes, you can get a multi-car discount if you have more than one vehicle on your Progressive auto insurance policy. 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.