With Progressive, you have 30 days to transfer your insurance to your new car. The coverages you have on your old vehicle will continue to apply to your new car during that period. To add a car to your policy, you can update your policy online or call your insurance company. Usually, you only need to provide the vehicle identification number (VIN), license plate number, and the make and model of the vehicle.
You may also be asked about the mileage and condition of the vehicle, depending on the insurer. Keep in mind that some insurers may limit the number of vehicles that can be included in a policy. Your independent insurance agent can also offer options from other companies, such as commercial insurance, life insurance, health insurance, general insurance, classic car insurance, and more. If you're interested in changing your car insurance company, you won't have to wait for your current policy to expire.
While your rate might be lower when a new car insurance company quotes, its protection and claim compliance may not match the standards of your current insurer. You'll receive a car insurance refund for any unused portion of your policy, subject to any cancellation fees that your insurer may charge. Your new insurance company can provide proof of insurance to your old company if needed, but it's generally not authorized to cancel a policy with another insurer on your behalf. 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.
If you decide to change your car insurance company, make sure that there is no interruption in your coverage and remember to cancel your old policy. You can change your car insurance policies at any time, whether you bought your policy two days or two months ago. If you're currently insured with another insurance company, you can simply start a new policy with your new car. 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.
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. Keep in mind that other factors may affect your car insurance rate if you're starting a new car insurance policy. Since most insurers offer a grace period to update your policy with your new vehicle, your dealer will usually only need proof of insurance before giving you the keys. If you don't have physical damage coverage and your new car is stolen, wrecked, or damaged in an accident because of you, you won't receive money from your insurance company.
No matter what your needs are or where you are in your life, independent insurance agents can provide you with insurance guidance, personalized policies and personalized service. If you plan to cancel your current car insurance policy, make sure that your new insurance policy is already in effect.