Ask an Agent
Have a question? We're here to help.
Ask an agent for free
Question

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

Answer
Author profile picture

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!

Ask an Agent
Have a question? We're here to help.
Ask an agent for free

Insurance is complicated, but it doesn't have to be.

The Zebra searches all of the top insurance companies, in one place, so you can compare the cost and coverage you need to protect your car, home and other property.

Step 1: Tell us a little about yourself

Choose an insurance product and enter your zip code to get started.

Step 2: Sip your coffee while we find the best quotes

Enter the necessary information and then sit back while we find quotes from 100 top insurance carriers.

Icon Fill Form

Step 3: Compare your quotes

Compare quotes side-by-side to find the right match for you, whether it's home, auto, or more.

Icon Agent

Step 4: Let our agents do the hard work for you

Once you pick your policy, our agents are here to get you over the finish line. Then just relax and enjoy your savings.

Compare insurance rates today!

Location pin icon
No junk mail. No spam calls. Free quotes.

Related Questions

Other people are also asking...

Will insurance cover a leak in my car's sunroof?

Insurance will only cover things that are a result of a loss. So if the leak in the sunroof was caused by a covered peril — like damage from bad weather — this would count towards a comprehensive claim. If the leak was caused by wear-and-tear, your insurance will not cover it.While your first compr…
Nov 20, 2019 Oviedo, FL

Will homeowners insurance cover a tree falling on my house when I cut it down?

It's very likely that you will be covered, assuming that your homeowners insurance policy is active and in good standing. Learn more about fallen tree damage and home insurance. Each insurance company has different stipulations depending on whether you have a named-peril or open-peril insuran…
Oct 7, 2017 Jacksonville, FL

Can someone else register and insure a vehicle I finance?

Regardless of where you live, if you are financing a vehicle you need to have it registered in your name. You can put the car insurance in someone else's name but insuring a vehicle you don't own can be challenging and you would still need to be listed on the policy. You will also need to…
Apr 7, 2019 Fern Park, FL

Can an insurance company recant liability and ask for a refund one month after paying me for damages to my vehicle?

I have not heard of a claim decision being reversed and asking for the claims payout money back. They should be providing you with evidence of why they are refusing to pay the claim — if you haven't asked for this already, you should demand it. I strongly advise getting help from someone who i…
Nov 19, 2019 Jacksonville, FL