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. Your insurance company will generally need the name, date of birth, driving history, license information, and vehicle identification number (VIN) if you also plan to share a policy that covers both vehicles. You can generally stay on your parents' car insurance policy as a registered driver if you live at home or if you're a full-time college student. That means you're still covered when you drive your parents' vehicles.
And unlike health insurance, there's no age limit that prevents you from staying on your parents' car insurance. However, if you're moving permanently, you'll usually need your own car insurance policy. The restriction does not apply to current customers or to current policy approvals. If you currently have a Hyundai or Kia insured with Progressive, you will be exempt from rights and your coverage will continue.
Every state requires auto insurance companies to declare how they calculate rates to customers, and insurers cannot deviate from these presented rates. You should add any regular driver of your car to your insurance policy to cover damage caused by accidents. Comprehensive car insurance and collision insurance are also common types of car insurance coverage, although no state requires them. If you and your spouse live with your parents and drive your vehicles, you can stay on your car insurance policy as listed drivers.
You can change insurers at any time, even if you just renewed your policy with another insurance company. That's why it's also important to know how much car insurance you need, so as not to jeopardize your personal assets in the event of an accident. 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. However, the vehicle must be regularly parked at your residence overnight for Progressive to insure it in your policy.
Progressive recently announced that it will stop insuring Hyundai and Kia vehicles (of all years and models) due to the increase in thefts. Most insurers will also allow you to share a single car insurance policy with someone if you live with that person. We charge a higher rate for customers who are more likely to file claims and a cheaper auto insurance rate for customers who are least likely to file claims. If you or your spouse own a vehicle, you may decide to insure it with your own car insurance policy or with your parent's policy.