Yes, you can get a multi-car discount if you have more than one vehicle on your Progressive auto insurance policy. Just add any vehicle that belongs to your spouse, family member or roommate to your policy and you'll receive the discount for several vehicles as long as the car is mainly stored in your home. You can save up to 25% on your total bill with a multi-vehicle discount, but the amount of the discount varies from company to company. Keep reading to learn how having multiple cars on your insurance works and how much you could save.
If your child goes to school and has their own vehicle, the car can normally remain on their multi-car insurance policy as long as the student continues to use their home as their primary address. Finally, if you live in an area where there are more severe weather events, there are more claims, which increases the cost of car insurance for all drivers in your state. If you need to insure 10 or more vehicles, you can add additional vehicles to your policy by working directly with an agent or by purchasing a commercial auto insurance policy. Most insurance companies require that you have the same amount of liability insurance and coverage for uninsured drivers for each vehicle, but when it comes to collision, comprehensive and other types of options, the options vary.
Multi-car insurance means having multiple vehicles in an auto insurance policy maintained in the same place. 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. This means that if your car is a favorite of car thieves or ends up in more crashes, you'll pay more for car insurance regardless of whether you've ever filed a claim. If your roommate crashes into your car and it's not listed in your policy, you probably won't be able to file a car insurance claim to cover the damage.
We also found that insurance companies Allstate, Farmers, Liberty Mutual, Nationwide and USAA offered discounts for several vehicles; however, insurers didn't specify how much. After you compare the quotes and understand which car insurance best fits your needs, you can make the final decision about buying the car insurance policy. These laws require the minimum auto insurance coverages and limits that a car owner must carry in their vehicle. The NAIC numbers show the average amount that state residents spend on car insurance, regardless of the type of car they insure or the amount of coverage they buy.
For the most part, a multi-car insurance policy works the same way as a single-car policy. Insurance companies have different rules about who can or cannot be added to an auto insurance policy, as well as how many drivers can be on the list. Some insurers offer discounts only if the insured vehicles belong to the same household and are insured by related parties.