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 the driver uses your car frequently or lives in your home, your insurer may determine that they should have added it to your policy as a driver.
In that case, it may be reason enough for your insurance company to deny your claim. The final insurance policy premium for any policy is determined by the insurance company upon application. If it's been a few months since you received your quote, the rates in your area may have been revised, which could decrease or increase the price you pay for your car insurance policy. So, assuming that all your friends live at the same address, you can add more than one friend to your car insurance policy.
Policygenius has analyzed the auto insurance rates offered by Quadrant Information Services for each zip code in all 50 states, in addition to Washington, D. 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. Every state requires auto insurance companies to declare how they calculate rates to customers, and insurers cannot deviate from these presented rates. If your spouse drives your car and damages it, it's normally covered if you add comprehensive and collision coverage to that car.
Progressive and many other insurers offer multi-vehicle discounts for having multiple vehicles on a single policy. You can pay for your car insurance policy by credit card, PayPal, online check, personal check, money order, or electronic funds transfer (EFT) from your checking account. 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. Many insurers, including Progressive, require that you add a spouse to your car insurance policy if you both live in the same household (unless your state gives you the option to exclude your spouse).
If you and your spouse have a good driving record, a joint car insurance policy can save you money with lower premiums and a discount for multiple cars (if your insurer offers one).