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. Your insurance company will generally need the name, date of birth, driving history, license information, and vehicle identification number (VIN) if you also plan to share a policy that covers both vehicles. Claims go first to their auto insurance companies, and rideshare policies only take effect if the damage exceeds the limits of the driver's personal car insurance policy. Coverage is available to virtually all types of drivers, making their auto insurance coverage generally accessible, even for consumers with an imperfect driving record.
Common law marriage is recognized in some states, and your car insurance coverage will work the same way as insurance for a married couple. Bankrate's content team, which includes licensed insurance agents with decades of combined industry experience, researched 122 auto insurance companies to find the best of the best. If you're facing a premium increase on your next policy renewal, it's worth considering looking for a new auto insurance company. You should add any regular driver of your car to your insurance policy to cover damage caused by accidents.
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). 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. Bankrate spoke to three experts in the auto insurance industry to get their views on the current environment. The cost of adding a driver to your car insurance or sharing a policy varies depending on factors such as the driver's age and motor vehicle history.
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. Choosing the best car insurance company can be a little more difficult when you consider the needs of several drivers, especially young adults, who don't have as much experience on the road as older drivers. 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). 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.
These are the main types of car insurance coverage, but there are more types of car insurance coverage available that might be worth discussing with your insurer. From its extensive list of unique additional coverage options to the fact that it's sold by expert local agents, you might want to consider Sfeco if you value the added benefits of your car insurance policy.