Multi-car insurance means having multiple vehicles on one car insurance policy kept in the same location. Let your insurance company know if you have another vehicle so it can be added to your policy.
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A multi-car insurance policy just means you have two or more vehicles on your policy. If you have more than one vehicle that you keep at the same address, you can add them all to your policy. Some insurance companies may state that they must be "garaged" at the same address, but an actual garage isn't required. It just means the cars must be parked at or near the same address.
Example:If your child goes away for school and has their own vehicle, the car can typically remain on your multi-car insurance policy as long as the student still uses your home as their primary address. That applies even if the school is out of state. However, you should let your insurer know that the car will be kept ("garaged") at a different location than your home for an extended period.
Some coverages are customizable to each vehicle. Generally speaking, your liability and uninsured motorist coverage limits are set at the policy level, which means you can't customize them to each driver or vehicle on the policy. However, with collision and comprehensive coverage you can typically choose different deductibles for each vehicle.
Yes, you can earn a multi-car discount when you have more than one vehicle listed on your Progressive auto insurance policy. Just add any car belonging to a spouse, family member, or roommate to your policy, and you will receive the multi-car discount as long as the car is kept primarily at your address. Learn other ways to get affordable car insurance.
Insurance companies have different rules about who can or can't be added to a car insurance policy, as well as how many drivers can be listed. Spouses and children who live at the same address where the cars are kept should generally be added (assuming they're eligible to drive), though in some cases there may be drivers who are excluded. In many cases, roommates and significant others you live with should also be added as drivers. Learn more about car insurance for unmarried couples.
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Please note: The above is meant as general information to help you understand the different aspects of insurance. Read our editorial standards for Answers content. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provisions, limitations, or exclusions expressly stated in any insurance policy. Descriptions of all coverages and other features are necessarily brief; in order to fully understand the coverages and other features of a specific insurance policy, we encourage you to read the applicable policy and/or speak to an insurance representative. Coverages and other features vary between insurers, vary by state, and are not available in all states. Whether an accident or other loss is covered is subject to the terms and conditions of the actual insurance policy or policies involved in the claim. References to average or typical premiums, amounts of losses, deductibles, costs of coverages/repair, etc., are illustrative and may not apply to your situation. We are not responsible for the content of any third-party sites linked from this page.
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