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. Martin-Morris Agency is an independent insurance agency with offices in Quincy, Wenatchee, Ephrata and Cashmere, Washington. 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.
If you and your spouse have a good driving record, a joint car insurance policy can save you money with lower premiums and a discount for multiple cars (if your insurer offers one). 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. Many insurers, including Progressive, require that you add a spouse to your car insurance policy if you both live in the same household (unless your state gives you the option to exclude your spouse). However, you should inform your insurer that the car will be stored (stored in a garage) in a different location than in your home for an extended period of time.
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 you are married and live in the same household, Progressive and many other insurers require that you and your spouse be covered by the same policy. Most insurers will also allow you to share a single car insurance policy with someone if you live with that person. Multi-car insurance means having multiple vehicles in an auto insurance policy maintained in the same place.
Most insurance companies allow (and may require) you to add another driver to your car insurance policy if the person drives the insured cars regularly or shares the same permanent residence. Whether it's a roommate, a spouse or partner, or even a teenager or a college student, there are many situations where it makes sense to add a driver to your car insurance. Progressive and many other insurers offer multi-vehicle discounts for having multiple vehicles on a single policy. The cost of adding a driver to your car insurance or sharing a policy varies depending on factors such as the driver's age and motor vehicle history.
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. When you add someone to your car insurance, you can call your car insurance company or log in to your online account to add a new driver to your policy.