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. 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.
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. 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. However, the vehicle must be regularly parked at your residence overnight for Progressive to insure it in your policy. You should add any regular driver of your car to your insurance policy to cover damage caused by accidents.
Most insurers will also allow you to share a single car insurance policy with someone if you live with that person. During your progressive quote, you won't be able to select car insurance coverages that don't apply to you. 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. 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.
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. In most cases, you can add an unmarried couple to your car insurance policy if you both share a permanent residence. Sharing a car insurance policy with a friend could help both of you save money by splitting the costs of some car insurance coverage. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provision, limitation, or exclusion that is expressly stated in any insurance policy.
Whether you should add a boyfriend, girlfriend, fiancé, or domestic partner to your car insurance policy depends on your insurance company.