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. 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.
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. Sharing a car insurance policy with a friend could help both of you save money by splitting the costs of some car insurance coverage. You can change insurers at any time, even if you just renewed your policy with another insurance company. So, assuming that all your friends live at the same address, you can add more than one friend to your car insurance policy.
If you're married and living in separate homes, that's fine and, in fact, it's necessary to have separate car insurance policies, since your vehicles are parked in different places. 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 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. If your spouse drives your car and damages it, it's normally covered if you add comprehensive and collision coverage to that car.
Every state requires auto insurance companies to declare how they calculate rates to customers, and insurers cannot deviate from these presented rates. If you lend your car to someone and that person causes an accident, Progressive may cover some of the damages they are responsible for. 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. Progressive and many other insurers offer multi-vehicle discounts for having multiple vehicles on a single policy.