Depending on the company, you may be able to remove someone from your car insurance policy online or through an app. 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. Each insurance company will have its own internal process for determining what should and shouldn't be included in this letter, so be sure to contact your insurance agent or company to learn exactly what they need from you.
Every state requires auto insurance companies to declare how they calculate rates to customers, and insurers cannot deviate from these presented rates. During your progressive quote, you won't be able to select car insurance coverages that don't apply to you. However, the vehicle must be regularly parked at your residence overnight for Progressive to insure it in your policy. Increases in auto insurance rates are often related to increases in the policyholder's insurance risk.
If you're a new customer of Progressive, you'll see your car insurance premium increase after the first 6-month policy period if you file a claim or if traffic violations are added to your driving record during that time. If you have a teenager living in your house and you want to remove them from your car insurance, the best way to do that is to make sure they have their own separate insurance policy. Some insurance companies will allow you to exclude a teen driver, but many companies don't allow it because they expect your child to drive their car at least part of the time. Progressive charges a cancellation fee of 10% of the premium or a fixed rate in some states, although customers in other states don't have to pay a fee to cancel their auto insurance coverage midway through the policy.
The final insurance policy premium for any policy is determined by the insurance company upon application. Removing someone from your car insurance policy may lower your overall rate, but it depends on several factors related to that individual driver. Each insurance company will have their own standards for what defines testing a new residence, so it may be worth emailing your agent or contacting your insurance company to learn exactly what they will need from you if a designated insured person moves out of your home. In most states, it's illegal to drive without car insurance, which means that removing someone from your policy without their knowledge could break the law.
If you've already compared the quotes of several insurance companies and you know that even the cheapest policy available is too expensive if you have to insure a specific person, sometimes you can choose to exclude a driver from your policy. You can change insurers at any time, even if you just renewed your policy with another insurance company.