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. Your car insurance rate is determined by factors such as age, location, driving history, type and use of the vehicle, and more. For example, married couples who live together and share car insurance can add both of their cars to their policy, even if the vehicles aren't jointly owned by the couple.
If you lend your car to someone and that person causes an accident, Progressive may cover some of the damages they are responsible for. The cost of adding a driver to your car insurance or sharing a policy varies depending on factors such as the driver's age and motor vehicle history. You can generally add someone else's car to your policy if you also share the same car insurance policy, which normally also requires living together. We work with more than 35,000 independent agents and brokers who offer a variety of insurance policies from both Progressive and other insurance companies.
You can file a car insurance claim with Progressive by logging into your policy, calling 1-800-776-4737, or using the Progressive app. If you're thinking about insurance costs, there are ways to get cheaper car insurance without compromising your coverage. Whether it's a roommate, a spouse or partner, or even a teenager or a college student, there are many situations where it makes sense to add a driver to your car insurance. During your progressive quote, you won't be able to select car insurance coverages that don't apply to you.
Every state requires auto insurance companies to declare how they calculate rates to customers, and insurers cannot deviate from these presented rates. However, the vehicle must be regularly parked at your residence overnight for Progressive to insure it in your policy. Most insurers will also allow you to share a single car insurance policy with someone if you live with that person.