No, there is no separate auto insurance policy for several states, since a standard auto insurance policy generally provides out-of-state coverage in all 50 states. Nor is there a multi-state auto insurance policy that originates in two or more states. Any auto policy you buy will originate in a single state, usually the state in which you reside. Most lenders require comprehensive coverage and collision coverage if you're financing or leasing your vehicle.
Even if you're a full owner of your car, you may want these coverages because they can reduce the cost of repairing or replacing your vehicle in the event of an accident, theft, or other covered incident. Your personal auto policy with Progressive can cover you while you're driving a rental car, up to the extent of the coverage you have for your own vehicle. For example, if you have comprehensive coverage for your car, that protection will extend to most rental vehicles. Any vehicle that is used to transport people in exchange for a fee must be insured by a commercial auto policy.
This includes taxis, limousines, and non-emergency medical transport vehicles (NEMT). Some rideshare vehicles may require commercial coverage. Comprehensive car insurance and collision insurance are also common types of car insurance coverage, although no state requires them. Every state requires auto insurance companies to declare how they calculate rates to customers, and insurers cannot deviate from these presented rates.
During your progressive quote, you won't be able to select car insurance coverages that don't apply to you. 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. 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. That's why it's also important to know how much car insurance you need, so as not to jeopardize your personal assets in the event of an accident.
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. For example, if you live in Connecticut but work outside the state of New York, you would have an auto insurance policy in Connecticut, since the vehicle stays there overnight. If it's been a few months since you received your quote, the rates in your area may have been revised, which could decrease or increase the price you pay for your car insurance policy. In that case, you would need two car insurance policies, one for the vehicle that is kept overnight in Connecticut and a policy from another state in New York for the vehicle you keep at work.
By requiring specific liability insurance for victims of an accident caused by you, they can receive financial assistance for injuries and property damage without seriously affecting their own financial well-being. In addition, if your policy includes reimbursement for a car rental and your car is damaged in a covered accident, Progressive will pay the rent (up to a specified limit and term) while your own car is repaired. If you have a child who is going to an out-of-state college and has a car on campus, they may need a separate car insurance policy for another state, depending on the state in which they go to school. The main reason car insurance is mandatory in almost every state is because of your personal liability (liability) if you cause an accident.
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...