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. 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. You should add any regular driver of your car to your insurance policy to cover damage caused by accidents. Some states and insurance companies require that all members of the household who are of driving age, including friends, be listed on your car insurance policy as drivers. With the new car market affected by shipping delays, many people are choosing to buy used cars lately.
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. 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. Adding a driver to your insurance policy means that they are an insured driver under your policy when driving your car. Basically, no-fault insurance means that your own insurance company pays the bills related to your injuries, regardless of who is at fault.
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 and your friend don't currently share an address, they won't be able to appear on your car insurance policy even if you plan to move later. You can change insurers at any time, even if you just renewed your policy with another insurance company. An excluded driver is a person in your household who has been explicitly excluded from coverage under your auto insurance policy.
In today's economic climate, there are a lot of reasons for people to be angry with their auto insurance companies. 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. 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, if a driver has several accidents or violations on their motor vehicle report that have a negative impact on the cost of your insurance, excluding them from your policy could reduce your car insurance rate.