Can I add my girlfriend or boyfriend to my car insurance?
Most insurers allow you to add a significant other, such as a boyfriend, girlfriend, fiancé, or domestic spouse, to your car policy policy if you live together. Depending on the insurance company, a meaning early can besides add their vehicle to a joint policy if both cars are kept at the lapp permanent residency .
With most insurers, unmarried couples can plowshare a joint car indemnity policy or add each other as list drivers to separate policies. There can be pros and cons to sharing a policy, therefore check with your insurance company to see if shared or discriminate coverage is best for you .
How can I add my significant other to my policy?
There are a couple of ways to add a significant other to your policy :
- Sharing a policy: If you share a vehicle or have separate vehicles at the same residence, you may be able to purchase a policy together. This would cover all your vehicles and allow you to drive the other person’s car and be covered. In addition, you may qualify for a multi-car discount. Some insurers may not allow unmarried couples to share a joint car insurance policy, so check with your insurer.
- Adding each other as listed drivers: If you want to keep separate policies but drive each other’s cars regularly, you can add each other as listed drivers on the policy. Your insurance provider may also require you to add your significant other if they drive your car regularly.
- Excluded: If your significant other has a poor driving record or multiple claims, adding them as a driver on your policy may push your rate up. If this is the case, you can exclude them as a driver on your policy in certain states. Some states or insurers may not allow a driver in the same household to be excluded from the policy, so check with your insurer. However, this means there will be no coverage at all if they drive your vehicle, and you could be liable to cover any damage they cause out of pocket.
Am I required to add my significant other to my policy?
Whether you are required to add a boyfriend, girlfriend, fiancé, or domestic collaborator to your car insurance policy will depend on your indemnity party. Most policy companies want to be aware of any license drivers living in the family with access to a vehicle. Suppose your boyfriend or girlfriend is living with you and they use your vehicle regularly. Since they ‘re using your vehicle more often, your insurance company may require you to add them to your policy as a driver.
Reading: Car insurance for unmarried couples
What happens if we get married or break up?
once you tie the knot and are living in concert, most insurers expect you to share a policy with your spouse, so carrying separate policies may no long be an option.
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If you ‘re sharing car indemnity with your girlfriend, boyfriend, fiancé, or domestic partner and you break up, your significant other will have to get their own indemnity policy as you ‘re no longer living together or driving each other ‘s vehicles. In this site, you will both need to get a separate policy angstrom soon as possible so you do n’t risk being uninsured .
Add a significant other to your policy at Progressive
Current Progressive customers
Log in to your policy or call 1-866-749-7436 to add your significant other. You ‘ll need their date of birth, driving history, and license information, angstrom well as their vehicle identification number ( VIN ) if you plan to add their vehicle to a joint policy .
New Progressive customers
quote car indemnity quotation mark on-line or call 1-866-749-7436 and we can help you find the justly policy for you and your significant other .