Every state requires auto insurance companies to declare how they calculate rates to customers, and insurers cannot deviate from these presented rates. Each state also has regulators that review the fees that companies charge. In most states, the answer is yes. However, the vehicle must be regularly parked at your residence overnight for Progressive to insure it in your policy.
Our easy-to-use online customer service site allows you to make changes to your policy at any time. You can change insurers at any time, even if you just renewed your policy with another insurance company. When you cancel with an insurance company, you'll get a refund for the money you paid in advance. Switching car insurance is easy, but make sure that the coverages, limits, and deductibles in your new policy reflect what you have with your current insurer.
While your rate might be lower when a new car insurance company quotes, its protection and claim compliance may not match the standards of your current insurer. If you decide to change your car insurance company, make sure there is no interruption in your coverage and remember to cancel your old policy. You may be able to suspend some or all of your car insurance if you're going to be off the road for an extended period of time, depending on the state and the insurer. Comprehensive and collision coverages are optional across the country, so you can remove them at any time if you don't have a loan or lease for a car.
Depending on your state, you may need to file an affidavit of non-use to notify your state that you will not use your vehicle on public roads. Keep in mind that if you're moving to another state, you won't have to change insurers unless your insurance company doesn't offer coverage in that state. You should avoid completely canceling your car policy if you plan to drive again in the future, as a lapse in car insurance coverage will likely result in a higher premium when you start driving again. For example, Progressive allows 30 days, which means that if you file a claim within that period, your new car will continue to be covered in the same way as your old vehicle.
If you lend your car to someone and that person causes an accident, Progressive may cover some of the damages they are responsible for. You can change your car insurance policies at any time, whether you bought your policy two days or two months ago. If you plan to take your car off the roads for some time and don't have a lease or loan, you can suspend some car insurance coverages to save money, without completely canceling your policy. If you're currently insured with another insurance company, you can simply start a new policy with your new car.
When changing car insurance companies, it's usually your responsibility to cancel coverage with your old insurer. If you plan to cancel your current car insurance policy, make sure that your new insurance policy is already in effect. However, before you decide to temporarily suspend car insurance, remember that some coverages, such as comprehensive coverage, can protect your vehicle even when you're off the road.