What are the implications of temporarily adding a driver to our policy with Progressive?
We have a guest visiting who we’d like to allow to drive our car. When we contacted Progressive, they informed us that we need to officially add them to our policy. While they mentioned we can add and remove the driver at any time, we’re curious about any potential repercussions. Will this change affect our premium permanently, even after we remove them from our policy?
Adding a driver to your policy temporarily with Progressive generally shouldn’t have long-term repercussions on your premium, especially if you remove them shortly after they no longer need coverage. However, here are a few points to consider:
Premium Adjustments: When you add a driver, especially if they are younger or have a less favorable driving record, your premium may increase. Once you remove them, the premium should revert back to its previous amount, but it can take a billing cycle or so to reflect the change.
Claim History: If the added driver gets into an accident while driving your vehicle, this could affect your claims history and potentially lead to increased premiums when your policy renews, regardless of whether they are still on the policy.
Regular Review: It’s a good idea to regularly review your policy and discuss any concerns with your insurance agent. They can provide clarity on how adding or removing drivers can impact your rate.
Temporary Coverage: If your guest will only be driving occasionally, consider asking Progressive if they offer any temporary coverage options that might be available instead of officially adding them to your policy.
Ultimately, it’s best to weigh the potential risks against the need to allow your guest to drive.