Many insurance companies will ask you how many miles you drive and will factor them into your car insurance rate. The more miles you drive, the higher your fare could be. At Progressive, in most states, we ask you how many miles you drive to work. You can generally stay on your parents' car insurance policy as a registered driver if you live at home or if you're a full-time college student.
That means you're still covered when you drive your parents' vehicles. And unlike health insurance, there's no age limit that prevents you from staying on your parents' car insurance. However, if you're moving permanently, you'll usually need your own car insurance policy. Your personal auto policy with Progressive can cover you while you're driving a rental car, up to the extent of the coverage you have for your own vehicle.
For example, if you have comprehensive coverage for your car, that protection will extend to most rental vehicles. If you lend your car to someone and that person causes an accident, Progressive may cover some of the damages they are responsible for. No-fault states, such as Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania and Utah, require drivers to file personal injury claims with their own insurance through their PIP coverage. Auto insurers may not offer a direct discount for driving fewer miles, but some may offer usage-based insurance programs that could lower the rate as a reward for driving safely and less in general.
If you and your spouse live with your parents and drive your vehicles, you can stay on your car insurance policy as listed drivers. 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.