How is it that my boyfriends insurance policy is being affected by the people that he lives with?

  • by None
  • Nov 17,2017
  • 8 answers

So my boyfriend has progressive and he got a letter in the mail from them, he called them and they are raising his rates to 45 dollars extra each month. They said they are doing that because of the other people in his household. Which is his mother, his stepdad (who both have car insurance together on the same policy) and his 8 and 12 year old brother. My boyfriend is on his own policy, he isn't on theirs. But yet they are raising his rates? Does anyone know how this is possibly happening? He lives in Rhode island and is financing a car if that matters.


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Insurance Answers (8)

Who 3 weeks ago

It always surprises me the questions some people ask on YA
all you can get on YA are opinions
you or bf could just as easily have emailed progressive and asked THEM why the increase (just give them the name and policy reference)
THEN you would have known the exact reason- and not just opinions from YA

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lucy 3 weeks ago

The general rule is that (everyone) in a household (must) be listed on (everyone’s) auto policy, since (everyone) in the household has access to (any) vehicle at any time.
So your BF needs to add mom/stepdad, and mom/stepdad needs to add your BF to their policy.
So, either mom/stepdad has a lousy driving record, since obviously the 8 and 12 year would not be affected.
Your choice, is to find out (which) parent is the problem. Then when you do, then you either pay the extra $45 more per month, or you (exclude) either mom/stepdad from your policy. But, (if) you exclude, then that (person) can never/ever, never/ever drive your vehicle and if so and if they have an accident, then insurance pays NOTHING, and you as the owner would owe for all the vehicle damages/injuries.
So find (who) is causing the extra $45 and decide to pay, or exclude them.

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StephenWeinstein 3 weeks ago

It is happening because he lives with someone who has a license. The only way for it not to happen is for him to move out.

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Casey Y 3 weeks ago

If he had an agent, they could explain this, did he go to Progressive Direct?
I would request copies of the other coverage in the household to evidence they have their own coverage. HOWEVER, if either of the parents has a very bad driving record, this is a direct result of that. I'm not talking about minor violations; I'm talking about DUIs and suspensions.

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Dan B 3 weeks ago

I would call them for an explanation. However, everyone in the household who has a driver's license has access to his car. He should specifically exclude those drivers from his policy (he's excluded on theirs). Insurnce companies raise rates without justification - policy holders have to prove justification for not raising rates. Not always successful though.

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DIck 3 weeks ago

He needs to call them and cancel his account...while cancelling they will plead with him to stay on..and then he can bring up the 45 extra BS

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Love big words 3 weeks ago

Seems like risk-based pricing.

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Judy 3 weeks ago

Did he call them and ask why? Shouldn't have anything to do with his brothers. Do the other adults have bad driving records? $45 a month is a huge increase.

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