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. If your child goes to school and has their own vehicle, the car can normally remain on their multi-car insurance policy as long as the student continues to use their home as their primary address. If you need to insure 10 or more vehicles, you can add additional vehicles to your policy by working directly with an agent or by purchasing a commercial auto insurance policy.
Geico allows you to add the most cars (nine) from any major insurance company, but each company allows you to have at least four cars in your policy. However, buying a new car is a good time to look for several quotes from car insurance companies, as they are constantly changing the way they evaluate rates and your current company may not offer the lowest price now that you have several cars. For the most part, a multi-car insurance policy works the same way as a single-car policy. Auto insurance companies are constantly reformulating the way they calculate rates, and if you gather some quotes, your current policy may be more expensive than others.
Some auto insurance companies ask who is the primary driver of each car, which is each driver's primary vehicle, or both. We compared the rates of the major auto insurance companies and found that the best discount came from Geico, which offers savings of up to 25% when insuring multiple vehicles with them. We also found that insurance companies Allstate, Farmers, Liberty Mutual, Nationwide and USAA offered discounts for several vehicles; however, insurers didn't specify how much. If your roommate crashes into your car and it's not listed in your policy, you probably won't be able to file a car insurance claim to cover the damage.
Auto insurance companies will automatically apply any multi-vehicle discount to your quote when you request it. We surveyed nine of the major insurance companies and found that they all offered discounts when insuring multiple cars. A multi-vehicle discount is simply a discount offered to a driver who insures more than one vehicle with the same insurance provider. 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.
Auto insurance companies have worked to facilitate the process of getting quotes online, especially for several vehicles. If you insure multiple cars with the same insurance company, you'll likely qualify for a multi-car discount.