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. For example, Progressive offers a discount when combining insurance policies, such as homeowners insurance, motorcycle insurance, boat insurance, recreational vehicle insurance, and more.
Your insurance company will stop charging you for the accident after several years (the duration varies by insurer and state). Liability is mandatory auto insurance coverage in 49 states, while comprehensive and collision coverage are optional if the car is paid for. If you don't have any gaps or cancellations in your insurance history, you'll usually get a lower car insurance rate. Adding your spouse to your car insurance policy offers some small but favorable benefits, including potentially lower costs and the convenience of having a single policy.
There are a variety of factors that affect your car insurance rate, such as your age, location, driving history, use of the vehicle, accidents, type of vehicle, and more. 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. Request a car insurance quote online or call 1-866-749-7436 and we'll ask you the right questions so that your teen has the right coverage. Progressive roadside assistance pays for towing services if your car breaks down for any reason, whether it's on the road or in your driveway.
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. This type of car insurance coverage also applies if you or your family members are traveling as passengers in other vehicles or are hit by a car while walking or biking. Adding a driver to your insurance policy means that they are an insured driver under your policy when driving your car. Most insurers will also allow you to share a single car insurance policy with someone if you live with that person.
If you live in a densely populated area and are at greater risk of having a car stolen, vandalized and your car damaged, you're likely to pay more for the part of your policy that covers comprehensive insurance and auto collision coverage. The good news is that sometimes you can increase your coverage amounts by thousands and your car insurance rate will only change minimally. Whether it's a roommate, a spouse or partner, or even a teenager or a college student, there are many situations where it makes sense to add a driver to your car insurance.