When buying a new car, your insurance company will provide you with a grace period of between 7 and 30 days to update your policy with your new trip. For example, Progressive allows 30 days, which means that if you file a claim within that period, your new car will continue to be covered in the same way as your old vehicle. 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. If you don't have physical damage coverage and your new car is stolen, wrecked, or damaged in an accident because of you, you won't receive money from your insurance company.
Even if you can't renew your old policy, you can usually buy a new car insurance policy without delay. Keep in mind that other factors may affect your car insurance rate if you're starting a new car insurance policy. Since most insurers offer a grace period to update your policy with your new vehicle, your dealer will usually only need proof of insurance before giving you the keys. You can change insurers at any time, even if you just renewed your policy with another insurance company.
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. You can generally add someone else's car to your policy if you also share the same car insurance policy, which normally also requires living together. For example, married couples who live together and share car insurance can add both of their cars to their policy, even if the vehicles aren't jointly owned by the couple.
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. During your progressive quote, you won't be able to select car insurance coverages that don't apply to you.