Multi-car insurance means having multiple vehicles in an auto insurance policy maintained in the same place. Tell your insurance company if you have another vehicle so that you can add it to your policy. With progressive and safe driving, you save 3% more. If you haven't had any fines or accidents in the past three years, the price of your policy could be, on average, 31% lower than that of customers who have accidents or violations.
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. Request an auto insurance quote online or call 1-866-749-7436 and we'll ask you the right questions to properly insure you and your spouse. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provision, limitation or exclusion that is expressly stated in any insurance policy. 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).
You'll receive another discount simply for owning a home, even if your home isn't insured through Progressive's network of home insurance companies. 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. 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. Common law marriage is recognized in some states, and your car insurance coverage will work the same way as insurance for a married couple.
Insurance companies have different rules about who can or cannot be added to an auto insurance policy, as well as how many drivers can be on the list. If your spouse drives your car and damages it, it's normally covered if you add comprehensive and collision coverage to that car. If your child goes to school and has their own vehicle, the car can normally remain on their multi-car insurance policy as long as the student continues to use their home as their primary address. 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.
When you add someone to your car insurance, you can call your car insurance company or log in to your online account to add a new driver to your policy. Progressive and many other insurers offer multi-vehicle discounts for having multiple vehicles on a single policy. 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.