What are the implications of temporarily adding a driver to our Progressive policy?
We have a guest visiting and want to let them use our car. When we contacted Progressive, they informed us that we need to officially add them to our policy.
Although they mentioned we can add and remove them at any time, we’re curious about any potential repercussions. Will this change permanently affect our premium even after we take them off the policy?
When you add a driver to your policy with Progressive (or most insurance companies), it’s common to worry about potential repercussions on your premium. Generally, adding someone temporarily shouldn’t result in a permanent increase or change in your premium if you remove them afterward. However, there are a few things to consider:
Premium Adjustment: Adding the guest as a driver could lead to an increase in your premium, especially if they have a less favorable driving record. Once you remove them, your premium may adjust back to its original amount, but this can vary based on the company’s policies and your overall risk profile.
Claims History: If the added driver gets into an accident while driving your car, it could affect your claims history, which in turn might impact your premium when it’s time for renewal.
Coverage Types: Certain coverages you have may also affect how adding a driver impacts your policy. For example, comprehensive and collision coverage would apply in an accident, which may influence your overall costs.
Check with Progressive: Since policies can differ, it’s a good idea to clarify with Progressive about how adding and removing the driver might affect your specific situation and if there’s a possibility of a premium increase in the future.
In summary, while you can add and remove the driver, keep in mind the potential temporary increase in your premium and the implications of any claims. It might be wise to ask if they can provide estimates or scenarios based on your current policy.