If a driver listed on your policy moves out of your residence, you can generally remove that driver from your car policy. Depending on the insurance company, you may have to prove that they no longer live with you. If the person is still living with you, your insurer may still require that it be listed on your policy. To exclude a driver from your insurance policy, contact your auto insurance company.
You may need to fill out and sign a driver exclusion form. However, keep in mind that the rules for excluding drivers vary by insurer and not all states allow drivers to be excluded. 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. Depending on the company, you may be able to remove someone from your car insurance policy online or through an app.
An excluded driver is a person in your household who has been explicitly excluded from coverage under your auto insurance policy. However, the vehicle must be regularly parked at your residence overnight for Progressive to insure it in your policy. If a household member will no longer be driving your vehicle, you can exclude them from your car insurance policy in most states. If you lend your car to someone and that person causes an accident, Progressive may cover some of the damages they are responsible for.
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. Every state requires auto insurance companies to declare how they calculate rates to customers, and insurers cannot deviate from these presented rates. 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. You can change insurers at any time, even if you just renewed your policy with another insurance company.
Removing someone from your car insurance policy may lower your overall rate, but it depends on several factors related to that individual driver. You can pay for your car insurance policy by credit card, PayPal, online check, personal check, money order, or electronic funds transfer (EFT) from your checking account. During your progressive quote, you won't be able to select car insurance coverages that don't apply to you. 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.