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. If you visit the Progressive website, it will introduce you to the Snapshot program.
This is a customized plan to create a rate based on your driving record. If you're a great driver, you'll get a lower rate on your insurance. This rewarding result will encourage anyone to drive safely and carefully on the road. Positive reinforcement will definitely make you a better driver.
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. Whether you should add a boyfriend, girlfriend, fiancé, or domestic partner to your car insurance policy depends on your insurance company. Adding a driver to your insurance policy means that they are an insured driver under your policy when driving your car. Sharing a car insurance policy with a friend could help both of you save money by splitting the costs of some car insurance coverages.
For example, Maryland, Indiana, and Illinois allow insurance companies to require standard coverage for drivers who have a learner's permit, while other states don't allow insurers to start charging until their teen has a full license. Most insurers allow you to add a partner, such as a boyfriend, girlfriend, fiancé, or domestic partner, to your car insurance policy if you live together. You should add any regular driver of your car to your insurance policy to cover damage caused by accidents. 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 at a later date.
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. With most insurers, unmarried couples can share a joint auto insurance policy or add to each other as drivers listed on separate policies. 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. 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.
If you share car insurance with your girlfriend, boyfriend, fiancé or domestic partner and you break up, your partner will have to take out their own insurance policy, since they no longer live together or drive each other's vehicles. 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.