While no law prohibits you from buying two policies from two different companies, an insurer won't allow you to buy two policies for the same car. If you have a car accident, filing two claims with two different insurance providers constitutes insurance fraud, even with two car policies. It's perfectly legal to have two car insurance policies for one vehicle. However, your insurance company may not be willing to insure the same vehicle twice.
You may have to buy a second policy from another insurer and pay both bills. If you have more than one car, you can insure both with two different policies. And in some cases, that might make sense. For example, suppose you only plan to drive your second vehicle from time to time.
In that case, it might be more cost-effective to buy a policy that allows you to pay by the mile than to add your second car to your current policy. Learn about car insurance for everyday trips or about the possibility that there may be two car insurance policies in a household, depending on the insurance companies involved and the circumstances. Some companies don't allow this because of state laws and exposure to liability. If someone else in your household uses your car regularly and you don't want to share a car insurance policy with that person, you can add that person as a driver to your policy so that it's covered when you drive your car.
Keep in mind that your partner may not be covered by the “permissive use” clause in your policy if they don't have car insurance from another provider. Including someone as a driver isn't the same as sharing a car insurance policy, because including a driver simply means that they're covered when you drive your car, while sharing a policy means that your separate vehicles are insured under a single policy. Many insurance companies offer insurance discounts for multiple vehicles, which can help you save money on your car insurance premium. With Progressive's Snapshot program, your car insurance rate is based on your driving habits and how you drive.
Having two car insurance policies is legal, but filing the same claim with two different insurers isn't. 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. The price you'll pay to buy insurance for a second car depends on several factors, such as where you live, the type of car you have, your driving history, the types of car insurance coverage you buy, and more. When you have two car insurance policies, you risk violating your auto insurance company's policies.
If your partner doesn't live with you, they may already be protected by the “permissive use” clause in your car insurance policy. A multi-vehicle discount applies if you have two or more vehicles insured with the same insurance company. Insuring two cars costs more than insuring a single vehicle, but there are options such as discounts for multiple vehicles, usage-based policies, and special auto insurance that can help reduce the cost. Buying insurance for a second car generally doesn't cost as much as buying a policy for the first, thanks to multi-vehicle discounts, special auto insurance policies, and usage-based auto insurance options.
In addition, if one of your insurers knows that you have another policy for the same car, you may ask the other insurer to pay your claims in the future. If you have dual coverage and rent a vehicle, it's clear that your car insurance provider will take care of everything in case you're involved in an accident. In addition, insurance companies generally require that all licensed household members be included in one policy, so even with separate policies, each insurance provider is likely to require that other members of the household be included in the policies of the others.