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. 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. To add a car to your policy, you can update your policy online or call your insurance company. Usually, you only need to provide the vehicle identification number (VIN), license plate number, and the make and model of the vehicle. You may also be asked about the mileage and condition of the vehicle, depending on the insurer.
Keep in mind that some insurers may limit the number of vehicles that can be included in a policy. In most cases, you can add an unmarried couple to your car insurance policy if you both share a permanent residence. Sharing car insurance with someone else can result in a lower price than buying two separate policies. Sharing an auto insurance policy, on the other hand, typically means that both vehicles are covered by a single 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 later. If a household member will no longer be driving your vehicle, you can exclude them from your car insurance policy in most states. Sharing a car insurance policy with a friend could help both of you save money by splitting the costs of some car insurance coverage. If you live in the same residence as your friend, you can usually add it to your car insurance because the vehicles are parked in the same place.
For example, if a driver has several accidents or violations on their motor vehicle report that have a negative impact on the cost of your insurance, excluding them from your policy could reduce your car insurance rate. 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. Adding a driver to your insurance policy means that they are an insured driver under your policy when driving your car. Most insurers allow you to add a partner, such as a boyfriend, girlfriend, fiancé, or domestic partner, to your car insurance policy if you live together.
Most insurers will also allow you to share a single car insurance policy with someone if you live with that person. Some states and insurance companies require that all members of the household who are of driving age, including friends, be listed on your car insurance policy as drivers. Whether you should add a boyfriend, girlfriend, fiancé, or domestic partner to your car insurance policy depends on your insurance company.