Haris Ashley
Getting married means making adjustments to your insurance policies. If you're a Progressive customer, you can add your spouse to your car insurance policy by calling 1-866-749-7436 or logging in to your policy online. You'll need their date of birth, driving history, and license information. If you're a new Progressive customer, you can get a quote online or by calling 1-866-749-7436. Adding your spouse to your policy ensures that you're both covered in the event of an accident, and if you both have good driving records, you can benefit from lower premiums and a multi-car discount.
| Characteristics | Values |
|---|---|
| Adding a spouse to your car insurance policy | Required if you're both living in the same household (unless your state gives you the option to exclude your spouse) |
| Advantages of joint car insurance | Lower premiums, multi-car discount, covered when driving each other's cars, easier to maintain a single policy, and benefit from your spouse's clean driving record |
| Disadvantages of joint car insurance | If your spouse has a poor driving record, your rate may increase |
| Adding a spouse to your Progressive policy | Call 1-866-749-7436 or log in to your policy to add a driver |
| Getting a Progressive quote for a married couple | Get a quote online or call 1-866-749-7436 |
What You'll Learn
Adding a spouse to your Progressive policy
If you're a married couple living in the same household, Progressive and many other insurers require you and your spouse to be covered under the same policy. If you're married but living in separate households, it's necessary to have separate car insurance policies.
Progressive customers can add a spouse to their policy by logging into their account online or calling 1-866-749-7436. You'll need your spouse's date of birth, driving history, and license information. If you plan to add their vehicle to a joint policy, you'll also need their vehicle identification number (VIN).
If you're a new Progressive customer, you can get a car insurance quote online or by calling 1-866-749-7436. You'll need to provide the necessary information for yourself and your spouse, and any additional drivers or vehicles you want to be listed on the policy.
Adding your spouse to your policy ensures that you're both covered in the event of an accident. If you and your spouse have good driving records, a joint car insurance policy can save you money with lower premiums and a multi-car discount (if your insurer offers one).
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Removing a spouse from your Progressive policy
Progressive and many other insurers require married couples living in the same household to be covered under the same policy. However, if you are married and living in separate households, it is necessary to have separate car insurance policies.
If you are no longer living with your spouse, you can remove them as a listed driver on your policy. To do this, you may need to provide proof that the person has moved and no longer has access to drive your vehicle. Some insurers may allow you to remove a spouse from your policy online or through an app, while others may require you to contact a representative and provide proof that they no longer live with you.
It's important to note that removing a spouse from your insurance policy is not the same as excluding them. You may be able to list your spouse as an excluded driver if they live with you, meaning they won't be driving your vehicles. However, if an excluded driver gets into an accident with your vehicle, your policy may not cover the incident.
Removing a spouse from your car insurance policy may reduce your overall rate, but it depends on their driving history. If your spouse has a history of insurance claims and accidents, removing them from your policy will likely reduce your rate. On the other hand, your rate could increase if they have a clean driving record with no history of claims, accidents, or traffic violations.
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Pros and cons of sharing a policy
Combining car insurance policies with your spouse has its advantages and disadvantages. Here are some pros and cons to help you decide whether it is a good idea to merge your policies:
Pros of Combining Policies
Easier Payments: Combining your car insurance policies turns two bills into one, making it simpler to keep track of and pay your bills on time.
More Discounts: Combining policies can unlock discounts that were not available before. For example, if your spouse is a good driver, you may be eligible for a good driver discount. Additionally, you can get a multi-car discount by having more than one vehicle on your policy.
Cheaper Overall: If you are under 25 and get married, your car insurance premiums will likely decrease. This is because married people under 25 are statistically involved in fewer accidents. You will also save money by paying fewer fees overall.
Eliminate Gaps: When spouses share a car or drive each other's cars, having separate policies can create gaps in insurance coverage. Combining policies ensures that any driver in the household is covered in the event of an accident.
Cons of Combining Policies
No Age Discount After 25: If you are over 25, you will not receive a significant discount for being married, as statistics show that married people over 25 do not have fewer accidents than unmarried people in this age group.
Problematic Breakup: In the unfortunate event of a breakup, separating your insurance policies can be challenging, and some companies may not allow it.
Potentially More Expensive: If your spouse has a history of traffic violations and accidents, combining policies may increase your insurance premiums. You may also lose valuable discounts such as the good driver discount.
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How to save money with a joint policy
Combining car insurance with your spouse can be a great way to save money. While it is not a requirement, many couples choose to do so because of the advantages associated with joint car insurance. Here are some ways you can save money with a joint policy:
Lower Rates
Most auto insurance companies offer lower rates to married couples because they are considered more stable and less of a risk than unmarried policyholders. This means that insurance companies believe married couples are less likely to get in an accident or file a claim. As a result, you can often get more affordable rates.
Multi-Car Discounts
If you and your spouse have multiple vehicles, you can save money by insuring them under a joint policy. Many insurers, including Progressive, offer multi-car discounts when you have multiple vehicles on one policy. This can result in significant savings on your insurance premiums.
Home and Auto Bundle Discounts
In addition to multi-car discounts, some insurers offer special discounts for bundling your home and auto insurance policies. For example, Progressive offers an average discount of 7% on your auto policy when you have both home and auto insurance with them.
Convenience and Blanket Coverage
With a joint policy, you only have to manage one policy for all your vehicles, which is more convenient than maintaining separate policies. Additionally, blanket coverage means that both you and your spouse will be covered in case of an accident, regardless of whose car you are driving.
Good Driving Record and Credit Score
If you have a good driving record and credit score, adding your spouse to your policy can help lower your rates. Their clean driving history and good credit standing can result in a more competitive rate for both of you.
However, it's important to note that combining car insurance may not always result in savings. If your spouse has a poor driving record, a low credit score, or an expensive car, your insurance premiums may increase. Therefore, it's essential to compare quotes and explore different options before making a decision.
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How to update your policy online
Progressive makes managing your insurance policy online super easy. To update your policy online, log in to your account and click on the policy you want to manage. From there, you can make payments, view policy details, report claims, print ID cards or proof of insurance, and more.
To add your spouse to your policy, log in to your account and click on the policy you want to manage. Then, click on "Add a Driver" and enter your spouse's information. You can also call Progressive at 1-866-749-7436 to add a driver to your policy.
In addition to updating your policy to include your spouse, you may also want to consider adding a new vehicle to your policy. To do this, simply log in to your account and click on the policy you want to manage. Then, click on "Add a Vehicle" and enter the vehicle's information, including the vehicle identification number (VIN), license plate number, make and model. Depending on the insurer, you may also be asked about the mileage and condition of the vehicle.
Remember, if you ever have any questions or need assistance, Progressive offers 24/7 support.
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Frequently asked questions
Yes, Progressive requires you to add your spouse to your car insurance policy if you're both living in the same household. Adding your spouse to your policy ensures that you're both covered in the event of an accident.
If you're an existing Progressive customer, you can call 1-866-749-7436 or log in to your policy to add a driver. New Progressive customers can get a car insurance quote online or call 1-866-749-7436.
Sharing a policy is generally cheaper as you'll split the cost of certain coverages. You benefit from your spouse's clean driving record, and it's easier to maintain a single policy than manage two. Progressive offers multi-car discounts for having multiple vehicles on one policy.
It depends on the state. In many states, you have the option to exclude your spouse from your car insurance policy, but some states will only allow it for certain reasons like not having a license or already having a policy.
Yes, you can add vehicles you own to your existing insurance policy. Depending on the state and insurer, you may also be able to insure someone else's vehicle if it's kept at your residence and the owner lives with you.
