Depending on the company, you may be able to remove someone from your car insurance policy online or through an app. Some insurers may require you to contact a representative to remove a driver and provide proof that the driver no longer lives with you. Since companies may vary as to the exact process, check with your insurer for more details. 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're married and living in separate homes, that's fine and, in fact, it's necessary to have separate car insurance policies, since your vehicles are parked in different places. If your spouse drives your car and damages it, it's normally covered if you add comprehensive and collision coverage to that car. 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.
Common law marriage is recognized in some states, and your car insurance coverage will work the same way as insurance for a married couple. Progressive and many other insurers offer multi-vehicle discounts for having multiple vehicles on a single policy. 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. 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 change insurers at any time, even if you just renewed your policy with another insurance company. Every state requires auto insurance companies to declare how they calculate rates to customers, and insurers cannot deviate from these presented rates. If you lend your car to someone and that person causes an accident, Progressive may cover some of the damages they are responsible for. If it's been a few months since you received your quote, the rates in your area may have been revised, which could decrease or increase the price you pay for your car insurance 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. Request an auto insurance quote online or call 1-866-749-7436 and we'll ask you the right questions to properly insure you and your spouse. You can remove a listed driver from your insurance policy if they no longer live with you and no longer drive your vehicle. However, the vehicle must be regularly parked at your residence overnight for Progressive to insure it in your policy.