You can easily add the vehicles you own to your existing insurance policy. Depending on the state and the insurer, you may also be able to insure someone else's vehicle if you keep it in your home and the landlord lives with you. With many insurers, including Progressive, all you need to do to renew your policy is pay the renewal premium. You'll receive a reminder from your insurance company to renew before the expiration date.
Just be sure to renew your policy before the existing one expires to avoid an interruption in insurance coverage. In some states, some insurers may require signed forms or other actions to execute a policy renewal. The proof of insurance is the documentation from your insurer that shows that you have an active insurance policy that meets state requirements. It is used when you are stopped, have an accident, rent a vehicle, or ask you to show it another way.
The proof of insurance is usually an identification card, printed or electronic, provided by your insurer. Yes, you can show proof of insurance on your phone at the DMV or BMV in every state that accepts proof of digital insurance. 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. While not all insurers offer digital insurance cards, legalizing them by state usually means that if you have one, you don't have to worry about carrying a piece of paper in your wallet or glove compartment. If you lend your car to someone and that person causes an accident, Progressive may cover some of the damages they are responsible for. 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.
Like an out-of-state move, an in-state move will affect your car insurance rate, although the change may be less than an out-of-state move. Your car insurance could increase or decrease depending on several factors, including the claim history of your new area. Keep in mind that you could lose your e-discount if you choose to receive your car insurance card in the mail. During your progressive quote, you won't be able to select car insurance coverages that don't apply to you.
Because car insurance requirements vary from state to state, you'll need to get a new insurance policy if you move out of your current state. However, the vehicle must be regularly parked at your residence overnight for Progressive to insure it in your policy.