You can remove a listed driver from your insurance policy if they no longer live with you and no longer drive your vehicle. If you have a child going to college or moving temporarily, it's a good idea to include it in your policy. Doing so ensures that they can drive their vehicle during breaks. When removing a driver, some insurers may request proof that the driver no longer lives with you.
When adding 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. Many insurers, including Progressive, allow you to add a friend to an auto insurance policy as a driver if you share a permanent residence. Most insurers will also allow you to share a joint car insurance policy with a friend by adding both sets of cars to the policy.
If your friend doesn't live with you, it usually can't be added to your policy. Getting car insurance for a young driver can be expensive due to their lack of driving experience, so a separate policy may not be the best option. In most cases, it's cheaper to add your licensed or licensed teen driver to your current car insurance policy. The coverages and limits of your policy will be extended to your teen driver, and some insurers, including Progressive, offer discounts to help offset the cost of insuring a new driver.
Most insurers will also allow you to share a single car insurance policy with someone if you live with that person. Every state requires auto insurance companies to declare how they calculate rates to customers, and insurers cannot deviate from these presented rates. During your progressive quote, you won't be able to select car insurance coverages that don't apply to you. If it's been a few months since you received your quote, the rates in your area may have been revised, which could decrease or increase the price you pay for your car insurance policy.
Adding a driver to your insurance policy means that they are an insured driver under your policy when driving your car. However, the vehicle must be regularly parked at your residence overnight for Progressive to insure it in your policy. A teen driver must have car insurance in almost every state, so you can add it to your policy or insure it with a standalone policy. If you and your friend don't currently share an address, they won't be able to appear on your car insurance policy even if you plan to move at a later date.
You can generally change your policy at any time to add a new driver to your residence, such as a teenager or a driver who has just started driving your car on a regular basis. An auto insurance policy for a 16-year-old driver who just received their license is likely to be more expensive than a policy for an 18-year-old with more driving experience. If you add your teen driver to your car insurance policy, they'll benefit from the same protection as you. Removing someone from your car insurance policy may lower your overall rate, but it depends on several factors related to that individual driver.
