When changing car insurance companies, it's usually your responsibility to cancel coverage with your old insurer. Your new insurance company can provide proof of insurance to your old company if needed, but it's generally not authorized to cancel a policy with another insurer on your behalf. After purchasing a new policy, you should immediately contact your old insurer and cancel your old policy. You'll receive a car insurance refund for any unused portion of your policy, subject to any cancellation fees that your insurer may charge.
Renewing your car insurance is often a simple process. Your insurer will contact you by mail or email with the updated rate. If you accept the updated rate, simply make a down payment or pay your renewal quote in full. No matter where you live, your standard car insurance policy will normally cover you in all 50 states and Canada.
However, the vehicle must be regularly parked at your residence overnight for Progressive to insure it in your policy. Affordability is important to everyone when it comes to car insurance coverage, but your car insurance company should be judged by how it handles claims. You can generally add someone else's car to your policy if you also share the same car insurance policy, which normally also requires living together. For example, married couples who live together and share car insurance can add both of their cars to their policy, even if the vehicles aren't jointly owned by the couple.
Every state requires auto insurance companies to declare how they calculate rates to customers, and insurers cannot deviate from these presented rates. You can change insurers at any time, even if you just renewed your policy with another insurance company. 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. If you decide to change your car insurance company, make sure that there is no interruption in your coverage and remember to cancel your old policy.
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. If you have a child who is going to an out-of-state college and has a car on campus, they may need a separate car insurance policy for another state, depending on the state in which they are going to school. This is known as rewriting your policy for another state; if your car moves with you, it helps you avoid having to pay for independent insurance coverage outside the state that isn't necessary. If you lend your car to someone and that person causes an accident, Progressive may cover some of the damages they are responsible for.