Last November I switched from State Farm to Progressive for car insurance. With Progressive, I have an independent insurance agent. State Farm was about $200 a month for 3 cars while Progressive was about $150 a month, decided to switch. I paid for 1 year in full for the good price with Progressive. I then bought the Genesis which increased things as well. Long story short, I somewhat technically live with my aunt, I use her address as mine. 3 days a week I'm there, 4 days a week I'm at my grandfather's house (the two of us trade off sort of as caregivers). In December, Progressive reached out to me that their records show that we live together. I told them yes, we do. She has her cars, I have mine. She has her insurance, I have mine. They said I need to either add her as a driver to my policy or exclude her. Roughly $400 for the year to add her to my policy or $300 for the year to exclude. Makes no sense to me. She has an absolutely perfect driving record, as do I. So we excluded her. Occasionally we trade off cars (not since the insurance switchover) if one of us is having cars serviced or to help shuffle out hoard of cars around. In my opinion, it's none of their business who I live with, especially since that person has full coverage insurance with a perfect driving record. I could change my address to my grandpa's house but I'd have to show record of that and they say that takes at least a month, but he has a car insured to him at his address, I'd have to tell them I rent the house and he's not here or something. Any ideas to get a refund for this nonsense of excluding her? And so that she can drive my cars if she needs to?