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Like many auto insurance companies, online insurance does not offer coverage for more than 4 cars or 4 drivers. Companies set this limitation based on the assumption that once you have more than 4 cars the cars are being used for commercial purposes. Most online insurance companies are for private auto insurance. If you happen to have more than 4 eligible drivers and/or more than 4 insurable cars, the online insurance company can provide 2 policies under your family's name to cover all parties involved. The policies would be associated with one account and have the same online login information to keep things simple. Most online car insurance companies will also offer multi-car/multi-driver discounts.