Progressive insurance will cover someone else driving your car in most cases, but it can depend on coverage types and limits. Your liability insurance, which pays for the other party’s injuries and property damage after an at-fault accident, always follows the car. If the person driving your car is insured, their policy may act as secondary coverage if they cause an accident that exceeds your coverage limits. But their insurance only kicks in after the limits of your Progressive policy are met.
Collision and comprehensive coverage from Progressive also follow the car, so you’ll have to file a claim using your policy to get your own vehicle repaired or replaced if someone else gets into an accident while driving it. But unlike liability insurance, collision and comprehensive won’t serve as secondary coverage. If the person driving your car wrecks it and you don’t have enough insurance to cover the repairs, you’ll end up footing the rest of the bill yourself. Other types of coverage, like personal injury protection and MedPay, always follow the driver.
It’s possible your Progressive car insurance offers less or no coverage for drivers not listed on your policy. A claim won’t be covered if the person should have been listed, for instance. If someone is living in the same household as you or regularly borrows your car, they should be a listed driver on your Progressive policy. It’s always best to confirm your policy details with a Progressive rep before letting anyone borrow your car.
Comprehensive insurance helps pay for the cost of repairs to your vehicle when it was damaged by something other than a collision, like vandalism or extreme weather events. Comprehensive car insurance is never required by state law, but it is usually needed for cars that are leased or financed.
You should consider buying comprehensive coverage if you cannot afford to pay out of pocket to repair or replace your car in a worst-case scenario. Comprehensive insurance is usually considered to be a good investment since it’s cheaper than other types of car insurance and covers events that are out of your control as a driver. A good rule of thumb is that if the cost of comprehensive insurance exceeds 10% of your vehicle’s value, you can consider dropping it.
Your car insurance and registration have to be under the same name in most cases. New York is the only state with laws requiring that the name on a car’s insurance policy and registration match. But even though other states don’t have it written into law, insuring a car that is not registered in your name can still be difficult and makes the claims process harder.… read full answer
If you do need to insure a vehicle that is not titled in your name, you’d need to prove you have an “insurable interest” in it. That means you would be affected financially if something happened to the car. Examples include the vehicle’s owner, its lienholder, or a co-signatory.
Insurance for a car not registered to you
You might want to insure a car that isn’t registered to you because you frequently rent or borrow one. But even if you have regular access to the same vehicle, you can’t insure it on your own. Instead, you should be a listed driver on the owner’s insurance policy, which serves as the primary insurance in the event of an accident.
Someone else insuring a car whose title is in your name
If your insurance company has reason to believe your car was insured by someone else for fraudulent reasons, they will deny payment for your claims. If you have several accidents or traffic violations, you can’t just get a friend or family member to insure your car so the premiums are cheaper. Insurers fully investigate claims, and any discrepancy between the names on the policy and the title will be explored before any claims are paid out.
Adding a driver to a car insurance policy can cost as little as $0 extra, or it can add as much as 100%+ to your annual premium. The exact cost of adding a driver to an existing policy depends on the person you’re adding, whether you need to insure an additional vehicle, and which car insurance company covers you. The riskier the additional driver is to insurers, the more it will cost to add them to your policy.… read full answer
For example, adding an experienced driver with a clean driving record won’t cost as much as adding a newly-licensed teenager. Adding a teen driver to a policy increases the premium by an average of 140% to 160%, according to several studies, but it could be much higher or lower depending on your state.
Why Adding Another Driver to Car Insurance Affects Premiums?
Having someone else listed on your policy means it won’t always be you (and your level of risk) behind the wheel. Remember, car insurance follows the car, and insurers calculate prices based on the risk that the car will be in an accident. That risk is different when more people get the chance to drive.
Simply adding a second driver to an already covered vehicle won’t always spike your rate. But if you’re adding both a driver and their personal vehicle to your policy, your rates will likely go up quite a bit. Adding a car creates the need for more coverage, which costs more.
Here’s an example of how premiums might change on a six-month policy covering a 2014 Hyundai Sonata after the addition of a 16-year-old, a 30-year-old, and a 50-year-old, respectively.
Primary Driver Profile
No Other Drivers
As you can see, the cost of adding a driver is highest when that driver is a newly-licensed teen. Otherwise, it’s usually very affordable to add a driver. In some cases, it could even save you money.
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