Depending on the company, you may be able to remove someone from your car insurance policy online or through an app. Some insurers may require you to contact a representative to remove a driver and provide proof that the driver no longer lives with you. Since companies may vary as to the exact process, check with your insurer for more details. Every state requires auto insurance companies to declare how they calculate rates to customers, and insurers cannot deviate from these presented rates.
Once your insurance is in order, contact your state's BMV or DMV to verify that your car registration is still valid and send all the necessary documentation with your updated insurance details. 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. Once you're ready to get your car back on the road, contact your insurance company to request the reinstatement of your coverages or policies. If you are not insured by Progressive or are a Progressive customer without logging in to your account, you can report or view an existing claim here.
Don't take your car out of the warehouse until all of this has been resolved; if you're caught driving without proper insurance coverage or without a valid registration, you could be fined. You can remove a listed driver from your insurance policy if they no longer live with you and no longer drive your vehicle. However, the vehicle must be regularly parked at your residence overnight for Progressive to insure it in your policy. Removing someone from your car insurance policy may lower your overall rate, but it depends on several factors related to that individual driver.
If you plan to take your car off the roads for some time and don't have a lease or loan, you can suspend some car insurance coverages to save money, without completely canceling your policy. You can pay for your car insurance policy by credit card, PayPal, online check, personal check, money order, or electronic funds transfer (EFT) from your checking account. If you lend your car to someone and that person causes an accident, Progressive may cover some of the damages they are responsible for. You'll likely be asked to maintain a minimum level of comprehensive auto insurance coverage and car collision coverage, in addition to the state-mandated liability coverage, even if you don't drive your car.
Next, contact your insurance company to temporarily suspend all or part of your insurance coverage for the period you are not going to drive. You can change insurers at any time, even if you just renewed your policy with another insurance company.
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