Whether you should add a boyfriend, girlfriend, fiancé, or domestic partner to your car insurance policy depends on your insurance company. Most insurance companies want to know if there are licensed drivers living in the home and have access to a vehicle. Suppose your boyfriend or girlfriend lives with you and uses your vehicle regularly. Because they use your vehicle more frequently, your insurance company may ask you to add them to your policy as a driver.
Common law marriage is recognized in some states, and your car insurance coverage will work the same way as insurance for a married couple. That's why it's also important to know how much car insurance you need, so as not to jeopardize your personal assets in the event of an accident. 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 allow you to add a partner, such as a boyfriend, girlfriend, fiancé, or domestic partner, to your car insurance policy if you live together.
Every state requires auto insurance companies to declare how they calculate rates to customers, and insurers cannot deviate from these presented rates. 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 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. However, the vehicle must be regularly parked at your residence overnight for Progressive to insure it in your policy.
We charge a higher rate for customers who are more likely to file claims and a cheaper auto insurance rate for customers who are least likely to file claims. Progressive and many other insurers offer multi-vehicle discounts for having multiple vehicles on a single policy. By requiring specific liability insurance for victims of an accident caused by you, they can receive financial help for injuries and property damage without seriously affecting their own financial well-being. In addition, if your policy includes car rental reimbursement and your car is damaged in a covered accident, Progressive will pay the rent (up to a specified limit and term) while your own car is repaired.
With most insurers, unmarried couples can share a joint auto insurance policy or add to each other as drivers listed on separate policies. If you lend your car to someone and that person causes an accident, Progressive may cover some of the damages they are responsible for. 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).