In most cases, an insurance policy covers all drivers in a single household. This also applies to friends who all live together under the same roof. So, assuming that all your friends live at the same address, you can add more than one friend to your car insurance policy. Most insurers allow up to four drivers on a single policy.
Progressive Insurance is one of the most recognized brands in the United States. Headquartered in Mayfield Village, Ohio, there are 450 offices and more than 28,000 employees. This list includes all insurance companies that offer private car insurance for passengers and companies that have just been admitted to New Jersey. See the notes next to the name of each insurer for restrictions for new applicants.
If you're married and living in separate homes, that's fine and, in fact, it's necessary to have separate car insurance policies, since your vehicles are parked in different places. If you plan to add or keep a college student in your policy, you must notify your car insurance company before your child moves in. If your spouse drives your car and damages it, it's normally covered if you add comprehensive and collision coverage to that car. Progressive earned a reputation for innovating new ways to stay one step ahead of the insurance industry, offering customers new solutions for affordable insurance plans.
Cost savings are one of the reasons why most parents keep their college age students on their car insurance policy. For college students from other states, some states and insurers may require a separate auto insurance policy. For example, depending on the school's zip code, taking out a separate car insurance policy for the student may result in more affordable rates, but that could make it more difficult to share the car when the student is at home. In many states, you have the option of excluding your spouse from your auto insurance policy, but some states only allow it for certain reasons, such as not having a license or already having a policy.
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. Depending on the state, you'll get a discount for all full-time college students on your Progressive car insurance policy if they're 22 years old or younger and enrolled in an educational institution that's more than 100 miles from home. Many insurers, including Progressive, allow you to add a friend to an auto insurance policy as a driver if you share a permanent residence. Common law marriage is recognized in some states, and your car insurance coverage will work the same way as insurance for a married couple.
If you are married and live in the same household, Progressive and many other insurers require that you and your spouse be covered by the same policy. College students often get the best deal on car insurance and greater convenience when they stick with their parents' policy. Both are covered when driving each other's vehicles, so they don't have to tell the insurance company who is driving which car and when.