Some insurers may require you to contact a representative to remove a driver and provide proof that the driver no longer lives with you. Since companies may vary as to the exact process, check with your insurer for more details. 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. This is something to consider when choosing a deductible.
It doesn't matter who's listed first on the policy. If you include your spouse as a driver, their driving record will affect your fare as well. Most insurers will also allow you to share a single car insurance policy with someone if you live with that person. Many insurers, including Progressive, require that you add a spouse to your car insurance policy if you both live in the same household (unless your state gives you the option to exclude your spouse).
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 a household member will no longer be driving your vehicle, you can exclude them from your car insurance policy in most states. Progressive and many other insurers offer multi-vehicle discounts for having multiple vehicles on a single policy. In many states, you have the option of excluding your spouse from your auto insurance policy, but some states only allow it for certain reasons, such as not having a license or already having a policy.
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 live in a state where cracked windshields are common, you might want to choose a low car insurance deductible to replace your windshield. You should add any regular driver of your car to your insurance policy to cover damage caused by accidents. Adding a driver to your insurance policy means that they are an insured driver under your policy when driving your car.
Depending on the company, you may be able to remove someone from your car insurance policy online or through an app. A low deductible means a higher insurance rate, while a high deductible means a lower insurance rate. Removing someone from your car insurance policy may lower your overall rate, but it depends on several factors related to that individual driver. Most insurance companies allow (and may require) you to add another driver to your car insurance policy if the person drives the insured cars regularly or shares the same permanent residence.
Collision protection, all-risk, coverage for uninsured and personal injury drivers typically have an auto insurance deductible. If you and your spouse have a good driving record, a joint car insurance policy can save you money with lower premiums and a discount for multiple cars (if your insurer offers one).