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. It doesn't matter who's listed first on the policy. If you include your spouse as a driver, their driving record will affect your fare as well. If you sell your car and buy a new one, you'll still need coverage because most states require drivers to have car insurance.
Be sure to add the new car to your policy to get the coverage you need. 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. 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. In many states, you have the option of excluding your spouse from your auto insurance policy, but some states only allow it for certain reasons, such as not having a license or already having a policy.
Common law marriage is recognized in some states, and your car insurance coverage will work the same way as insurance for a married couple. If you change your car insurance company and find better rates with another insurance company, you may want to cancel your current policy before it expires. Most insurance companies allow (and may require) you to add another driver to your car insurance policy if the person drives the insured cars regularly or shares the same permanent residence. Because insurance premiums are determined in part by where you live, you can get a lower rate on your new policy if you move to an area where rates are cheaper, and your insurer can reimburse part of your insurance premium.
Adding a driver to your insurance policy means that they are an insured driver under your policy when driving your car. If you decide to cancel your policy or your insurance company cancels it, you usually won't receive a refund from car insurance unless you've paid the premium in advance. You should add any regular driver of your car to your insurance policy to cover damage caused by accidents. If you are married and live in the same household, Progressive and many other insurers require that you and your spouse be covered by the same policy.
Depending on the company, you may be able to remove someone from your car insurance policy online or through an app. If your spouse drives your car and damages it, it's normally covered if you add comprehensive and collision coverage to that car. Insurance refunds are usually issued through the same payment method that you use to pay for your insurance.