When adding someone to your car insurance, you can call your car insurance company or log into your online account to add a new driver to your policy. Can I add a friend to my car? 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. Getting car insurance for a young driver can be expensive due to their lack of driving experience, so a separate policy may not be the best option. In most cases, it's cheaper to add your licensed or licensed teen driver to your current car insurance policy. The coverages and limits of your policy will be extended to your teen driver, and some insurers, including Progressive, offer discounts to help offset the cost of insuring a new driver.
It's important to note that you'll likely be able to find quality car insurance in Michigan for less than the state average, depending on your circumstances. Drivers can also get collector car insurance and non-standard vehicle insurance through the company. As one of the largest auto insurance companies in Michigan, Progressive is known for having some of the cheapest rates on average. The table below shows the auto insurance providers that offer the cheapest minimum coverage in the state.
In most cases, you can add an unmarried couple to your car insurance policy if you both share a permanent residence. 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. 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. It prohibited companies from using marital status, gender, homeownership, credit score, education level, occupation and zip codes to set auto insurance rates.
The main thing to keep in mind is that the cost of car insurance in Michigan depends on your individual situation and how the company weighs the different factors. 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. A teen driver must have car insurance in almost every state, so you can add it to your policy or insure it with a standalone policy.