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. Your personal auto policy with Progressive can cover you while you're driving a rental car, up to the extent of the coverage you have for your own vehicle. For example, if you have comprehensive coverage for your car, that protection will extend to most rental vehicles. 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.
Frankenmuth Insurance is a small provider that sells auto, home, life and other insurance products in Michigan and Ohio. We recommend that you get free car insurance quotes from several providers and compare them to find the best rates for your situation. Most insurers will also allow you to share a single car insurance policy with someone if you live with that person. So, assuming that all your friends live at the same address, you can add more than one friend to your car insurance policy.
As one of the largest auto insurance companies in Michigan, Progressive is known for having some of the cheapest rates on average. 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. Every state requires auto insurance companies to declare how they calculate rates to customers, and insurers cannot deviate from these presented rates. Sharing a car insurance policy with a friend could help both of you save money by splitting the costs of some car insurance coverages.
If you lend your car to someone and that person causes an accident, Progressive may cover some of the damages they are responsible for. Locations and credit ratings have been two factors that have greatly influenced car insurance in Michigan in the past, so some drivers may see cheaper car insurance rates after this change. 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.