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Can I pro-rate a car if I add it to an existing policy?

I'm about halfway through my current car insurance policy term and I want to add another car to the policy. Will it be pro-rated?

Jul 7, 2018 Orlando, FL

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Beth Swanson

SEO Content Strategist

Credentials
  • Licensed Insurance Agent — Property and Casualty

Beth joined The Zebra in 2022 as an Associate Content Strategist. She is a licensed insurance agent whose goal is to make insurance content easy to r…

Thanks for reaching out to The Zebra! Adding multiple vehicles and changing policies can be a little confusing, so we're happy to help. The answer is yes, the insurer will pro-rate the change to the plan and add the new vehicle to the existing term. Usually, adding another car just takes a simple phone call to your agent and a few minutes of your time. They'll want to know some details about the car, such as make and model, but is a relatively straightforward process.

However, be aware that billing differs from company to company. Again, this information is usually pretty easy to learn by reaching out to the company. Some insurers will add the new charge to future bills and others may make you pay the difference right away.

Once you find out exactly how you'll be billed it will make budgeting and planning for your next policy term a bit easier. It's also good to be aware of billing protocol before a new statement in case the increase is an unexpected amount that catches you off-guard.

Adding a new vehicle to your policy is a great time to get new quotes, as well. You may qualify for additional discounts and can save some money by having a second vehicle. If you're shopping around for a new company and want to see what rates other insurers can offer you, reach out to our agency at 888-444-8949. for an individualized quote. Our agents are happy to answer questions and help you through the process!

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