You can generally stay on your parents' car insurance policy as a registered driver if you live at home or if you're a full-time college student. That means you're still covered when you drive your parents' vehicles. And unlike health insurance, there's no age limit that prevents you from staying on your parents' car insurance. However, if you're moving permanently, you'll usually need your own car insurance policy.
You should add any regular driver of your car to your insurance policy to cover damage caused by accidents. In addition, you can add any driver who lives at your permanent address, and most insurance companies will require it. Some states may allow you to exclude a driver from coverage under the policy. Most insurers will also allow you to share a single car insurance policy with someone if you live with that person.
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. During your progressive quote, you won't be able to select car insurance coverages that don't apply to you. 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. 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.
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. 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. Depending on the state and the insurer, you may be able to add your car to your parents' insurance if you live with them and your car stays at home. However, drivers who choose not to purchase auto insurance must show that they have sufficient funds to meet the state's financial responsibility requirements (PDF) in the event that they cause an accident.
Every state requires auto insurance companies to declare how they calculate rates to customers, and insurers cannot deviate from these presented rates. 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. You can pay for your car insurance policy by credit card, PayPal, online check, personal check, money order, or electronic funds transfer (EFT) from your checking account. 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.
The main reason why car insurance is mandatory in almost every state is because of your personal liability (liability) if you cause an accident. You can change insurers at any time, even if you just renewed your policy with another insurance company.