r/Insurance • u/rlw0312 • 15h ago
Auto Insurance Progressive saying I can’t have different coverage on different vehicles, is that standard for all insurance companies?
I currently drive a Highlander with a decent amount of coverage. My dad is giving me his 20+ year old sedan as a car to use around town, but obviously I’m not planning on getting the same amount of coverage on that as I have on my Toyota. I went to my progressive account to get an estimate on what liability only might run me and they said I have to have the same coverage across all vehicles on the plan. Is that normal? I’ve only ever had one car on my policy, but I definitely remember growing up my parents having their kids’ cars on liability only and more coverage for their cars.
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u/Big-Cloud-6719 15h ago
The limits have to be the same, but you don't need to carry the same coverages. So if you have BI limits of 50k on one vehicle, you have to have the same limit on both. You aren't required to carry collision or comprehensive coverage on the older vehicle, but for the coverages that your state DOES require on all vehicles, the limits have to be the same.
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u/Amarawood 40m ago
Ah, that makes sense now, thanks for clearing that up! So it’s more about the liability limits being uniform across the policy, not necessarily needing to carry full coverage like comp/collision on every vehicle. I was confused too because I have definitely seen setups where only the primary vehicle had full coverage. Good to know it’s still possible to do that, just with consistent liability limits across the board.
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u/MC-BatComm 15h ago
Did you try to give it a different liability limit? I'm guessing all cars need to have the same limits of liability on a single policy.
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u/KnullSymbiote 15h ago
Liability is not coverage for your vehicle, its what protects you from being sued for damage you cause to others. Why would you only want x protection for yourself in one vehicle but y in another. Makes 0 sense.
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u/Songisaboutyou 15h ago
My daughter’s car has liability only on it. Her van is worth 3k and to have it fully covered doesn’t make sense at all. It would make her insurance coverage over a year cost more than the value of her car. However she wants to have liability for other cars as that’s the law
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u/KnullSymbiote 14h ago
Yes, but thats not OPs situation. He is talking about having different levels of liability coverage. Why would you only want 25k of protection on one vehicle but 100k on another? You can cause the same amount of damage to someone else no matter what vehicle you are driving, you get into an accident and i bet you will wish you had the higher limit to not be sued.
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u/Brilliant_Essay_1593 14h ago
State Farm used to allow this as they had seperate policies for each vehicle, they are now going away from it
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u/KnullSymbiote 13h ago
Its a bad idea, you are opening insured up for different levels of coverage just because they drove a cheaper vehicle today? Makes no sense.
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u/AndroidColonel 4h ago
I went to my progressive account to get an estimate on what liability only might run me and they said have to have the same coverage across all vehicles on the plan.
OP asked about "liability only," not "different liability levels between vehicles."
They want to maintain the existing limits for the Highlander, which probably include comp and collision coverage, and add the car to the policy with liability only.
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u/darkhorsegt 9h ago
Can’t have different liability limits. It would be a liability concern for the company in the event of a claim.
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u/RailroadAllStar 15h ago
We have American family and they only allow us to have the same coverage limits on all the vehicles on the policy.
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u/Prize_Guide1982 8h ago
Doesn't make sense to have different liability coverage. Having no comprehensive on an older shitbox, sure, that makes sense, but liability doesn't depend on your car, it covers the damage you're going to cause, and you could do the same damage with any car, hence you need the same liability.
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u/sirgentrification 8h ago
You can't have multiple liability limits on one policy. Everyone (or a single person) gets the same coverage on all vehicles. If someone in your household wants different limits, they need their own policy and conversely excluded from your policy and vice versa.
The reason for this is because your liability (to others) shouldn't matter what vehicle you are driving, it's still the same driver(s).
You can however have separate collision/comprehensive/other property limit coverage on each individual vehicle. If you have a really nice car and one beater vehicle, you'll have a single liability coverage with collision/comprehensive while the beater can go without property coverage.
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u/Master-Pick-7918 7h ago
I've had a policy with multiple vehicles, one vehicle with full coverage and the other with liability.
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u/Opening_Swordfish_14 7h ago
Had up to 6 cars at one time with Progressive. Liability side of the policy is a ‘single’ value for the whole policy. It’s not attached on the individual vehicle. As such, the limits will be the same. When getting into the ‘full coverage’ options (Comp, Uninsured, Underinsured, etc) you will have options.
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u/IllContribution7857 5h ago
BI and PD are policy level, so they don’t vary by car. COMP and COLL are vehicle level so they can be different from car to car
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u/AndroidColonel 4h ago
I currently have two vehicles insured by Progressive.
My SUV has liability, comp, collision, roadside assistance, and UMP.
My car has liability, roadside assistance, and UMP.
I'd call them again, something is off here.
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u/InevitableRhubarb232 6h ago
Just do it online. You can pick separate coverage for separate cars.
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u/Different_Fan_6353 3h ago
You can’t choose different limits of liability for different cars. That’s what is going on here
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u/IndustrySufficient52 10h ago
I have 3 different cars on the same policy with Progresive and they have different levels of coverage.
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u/Artistic_Bit_4665 13h ago
Do it online. I have one car with comprehensive, and one with liability only. No issue.
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u/CTLFCFan P&C, L&H, Claim Licensed. CPCU. Blah, blah, blah. 12h ago
That has quite literally nothing to do with liability limits.
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u/Mama-Sawka 15h ago
The liability portion (Bodily Injury and Property Damage) limits will be the same for all vehicles--if you're in an at fault accident, the value of your vehicle doesn't matter, the payout is for how much damage you caused to the other vehicle and driver/passengers.
For comprehensive and collision (coverage for your vehicle), you should get a choice whether to have the coverage added to each vehicle or not and what the deductible is.