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. If your friend doesn't live with you, it usually can't be added to your policy. Getting car insurance for a young driver can be expensive due to their lack of driving experience, so a separate policy may not be the best option.
In most cases, it's cheaper to add your licensed or licensed teen driver to your current car insurance policy. The coverages and limits of your policy will be extended to your teen driver, and some insurers, including Progressive, offer discounts to help offset the cost of insuring a new driver. If you have a second car that you drive from time to time, you can usually add it to the policy you have for your main vehicle. Many insurance companies offer insurance discounts for multiple vehicles, which can help you save money on your car insurance premium.
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 most cases, you can add an unmarried couple to your car insurance policy if you both share a permanent residence. 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. If you add your teen driver to your car insurance policy, they'll benefit from the same protection as you.
Sharing a car insurance policy with a friend could help both of you save money by splitting the costs of some car insurance coverage. 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. 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. If you live in the same residence as your friend, you can usually add it to your car insurance because the vehicles are parked in the same place.
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. A teen driver must have car insurance in almost every state, so you can add it to your policy or insure it with a standalone policy. Whether you should add a boyfriend, girlfriend, fiancé, or domestic partner to your car insurance policy depends on your insurance company. Buying insurance for a second car generally doesn't cost as much as buying a policy for the first, thanks to multi-vehicle discounts, special auto insurance policies, and usage-based auto insurance options.