A multi-car insurance policy just means that you have two or more vehicles in your policy. If you have more than one vehicle in the same direction, you can add them all to your policy. Some insurance companies may indicate that they must have a garage at the same address, but an actual garage is not required. It simply means that cars must be parked in the same direction or close to it.
For example, if you live in Connecticut but work outside the state of New York, you would have an auto insurance policy in Connecticut, since the vehicle stays there overnight. In that case, you would need two car insurance policies, one for the vehicle that is kept overnight in Connecticut and a policy from another state in New York for the vehicle you keep at work. This is known as rewriting your policy for another state; if your car moves with you, it helps you avoid having to pay for independent insurance coverage outside the state that isn't necessary. Uber and Lyft drivers must add rideshare insurance to their personal car insurance policy as a precondition for working on behalf of any of the rideshare companies.
Multi-car insurance means having multiple vehicles in an auto insurance policy maintained in the same place. Therefore, rideshare insurance policies tend to look a lot like commercial vehicle insurance policies, with much larger policies and broader coverages. Comprehensive car insurance and collision insurance are also common types of car insurance coverage, although no state requires them. In the event that you are injured in a rideshare car accident (Uber & Lyft), users should be prepared for insurance companies to deny their claim for a variety of reasons, so it's important to consult a personal injury lawyer as soon as possible.
However, you should inform your insurer that the car will be stored (stored in a garage) in a different location than in your home for an extended period of time. Yes, you can get a multi-car discount if you have more than one vehicle on your Progressive auto insurance policy. Nor is there a multi-state auto insurance policy that originates in two or more states. In most cases, your insurance can cover the accident, but depending on the limits of your policy and the details of the accident, the driver's insurance policy may cover all or part of the claim.
Just add any vehicle that belongs to your spouse, family member or roommate to your policy and you'll receive the discount for several vehicles as long as the car is mainly stored in your home. Progressive offers rental insurance, also known as livery insurance, in 38 states, including Texas.