If a person no longer lives with you, you can remove them as a driver included in your policy. Some insurers may want to prove that the person moved (and therefore won't have access to drive their vehicles). Learn more about how the move affects car insurance. An excluded driver is a person in your household who has been explicitly excluded from coverage under your auto insurance policy.
Remember that car insurance follows the car and insurers calculate prices based on the risk of the car having an accident. It's always best to confirm your policy details with a Progressive representative before you borrow your car from someone. Your Progressive car insurance may offer less or no coverage for drivers not listed in your policy. Adding a driver to your insurance policy means that they are an insured driver under your policy when driving your car.
Comprehensive insurance is generally considered to be a good investment, as it is cheaper than other types of car insurance and covers events that are beyond your control as a driver. Most insurers will also allow you to share a single car insurance policy with someone if you live with that person. 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. The exact cost of adding a driver to an existing policy depends on the person you add, whether you need to insure an additional vehicle, and which car insurance company covers you.
You can get additional liability coverage by purchasing non-homeowner car insurance if you don't have a car. 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. The cost of adding a driver to your car insurance or sharing a policy varies depending on factors such as the driver's age and motor vehicle history. 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.
Removing someone from your car insurance policy may lower your overall rate, but it depends on several factors related to that individual driver. If a household member will no longer be driving your vehicle, you can exclude them from your car insurance policy in most states. You can remove a listed driver from your insurance policy if they no longer live with you and no longer drive your vehicle.