If a loved one died, you may need to provide the auto insurer with a copy of the death certificate to initiate the change. Learn more about car insurance after the owner dies. 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 can pay for your car insurance policy by credit card, PayPal, online check, personal check, money order, or electronic funds transfer (EFT) from your checking account. Most states require minimum auto insurance and vehicle registration coverage, so it's important to have proof of insurance and registration when driving. 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.
During your progressive quote, you won't be able to select car insurance coverages that don't apply to you. 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. 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. However, the vehicle must be regularly parked at your residence overnight for Progressive to insure it in your policy.
Depending on the company, you may be able to remove someone from your car insurance policy online or through an app. 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. Every state requires auto insurance companies to declare how they calculate rates to customers, and insurers cannot deviate from these presented rates. In addition, if your policy includes car rental reimbursement and your car is damaged in a covered accident, Progressive will pay the rent (up to a specified limit and term) while your own car is repaired.
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. 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.