How To Get Progressive Auto Insurance Online
The Progressive Group of Insurance Companies (Progressive) is one of the most popular insurance brands in the US. The insurance juggernaut claims to be the third largest auto insurer and the number one motorcycle/specialty RV insurer in the country. Progressive rubs shoulders with firms like State Farm, Allstate, GEICO, and Farmers Insurance Group, and writes more than 13 million auto policies per year. Just continue reading to know to get Progressive Auto Insurance Online now.
Though best known for driving innovation in the personal auto market, Progressive also writes commercial auto and a number of other personal lines risks, including homeowners’ insurance. The firm sells insurance directly to the consumer or via independent agents. Progressive’s Agency business sells through more than 30,000 independent insurance agencies across the US.
What’s Covered Under Progressive Auto Insurance?
Progressive auto insurance coverage options
Progressive offers all the auto insurance coverages you’d expect from a national insurance company. However, it does also provide a couple of unique coverages, such as pet injury coverage and custom parts and equipment value coverage.
1: Pet Injury: If your dog or cat is injured in a car accident, Progressive will pay for any veterinarian bills associated with the accident. The coverage is part of your collision insurance, meaning that you would have to pay the deductible of your policy to be able to file a claim. If you have a pet, it’s possible that you already have pet insurance, but the deductible for Progressive’s pet injury coverage may be less than the deductible on your pet insurance policy, which could save you money.
2: Custom Parts & Equipment Value: If you enjoy customizing your vehicle with aftermarket parts, consider adding this endorsement. Progressive provides $1,000 of coverage for accessories and custom parts like stereos, navigation systems and grilles under both collision and comprehensive coverage. You can purchase coverage beyond $1,000 separately from Progressive.
3: Gap Insurance: If you’re involved in an accident, your collision policy will typically only cover the cost of your car up to its actual cash value, which may be less than what you owe on a loan or lease. Gap insurance is meant to cover you for the difference between the balance on a loan or a lease and your car’s value. Progressive limits its gap insurance coverage to 25% over a vehicle’s actual cash value. However, the endorsement is worth it if you recently purchased a new car, as Progressive’s average customer pays only $5 a month for it.
4: Rental Reimbursement: If your car is involved in an accident, this endorsement will reimburse you for the cost associated with renting a vehicle while your car is being repaired. The endorsement is only valid for 30 days, and coverage limits range from $30 to $50 a day.
Standard Coverages Offered Through Progressive
- Liability coverage
- Medical payments
- Uninsured/Underinsured bodily injury
- Collision coverage
- Comprehensive coverage
- Uninsured motorist property damage
Progressive’s Auto Insurance Discounts
Progressive provides a standard set of discounts to its policyholders, but it also offers its unique Snapshot program. While the program isn’t a discount itself, customers can achieve discounts by partaking in the program.
| Discount | How Do You Receive It? |
|---|---|
| Start Your Quote Online | Receive this discount when you begin the quote process online and then purchase on the phone. |
| Safe Driver | Receive a discount when you go three years without any tickets or accidents. |
| Multicar | Receive a discount when you insure multiple vehicles with Progressive. |
| Homeowner | You’re eligible for a discount if you own a home, even if it’s not insured with Progressive. |
| Continuous Insurance | Maintain car insurance coverage with no gaps or cancellations. This discount is valid even if you were insured with another company. |
| Sign Documents Online | Sign your insurance documents online when purchasing a policy. |
| Pay in Full | Pay the total cost of your policy upfront instead of paying monthly. |
| Automatic Bill Pay | Set up recurring automatic payments for your insurance bills. |
| Good Student | Receive a discount if you have a student on your policy who maintains a “B” average or better. Receive an additional discount if you have a child on your policy who is away at college. |
| Teen Driver Discount | Add your child to your policy and receive this discount if they are under 18 years old. |
| Bundle Auto and Property | Save money when you have homeowners and auto insurance policies with Progressive. |
Progressive Auto Insurance Quotes: How Much Does It Cost?
Progressive auto insurance quotes comparison
Across most driver profiles, Progressive offers rates that are near its competitors’ averages, meaning Progressive has mediocre rates for most. However, Progressive is the most forgiving insurance company when it comes to drivers with past accidents. We found that Progressive’s auto insurance rate is $456 cheaper than the next most affordable option for drivers with a previous accident. On the other hand, young drivers will likely find Progressive’s rates to be on the high end. Progressive quoted the second least affordable rates for our sample 18-year-old driver.
Top 5 Reasons To Get A Progressive Auto Insurance Online
- Receive actual rates from competitive insurance companies
- Competitive pricing – Often the lowest premiums and rates on car and home insurance
- Receive highest discounts compared to any other insurance carriers
- Ranked top insurance company for financial strength (strong position in paying claims)
- Provides handy online tools to determine the optimal coverage, discounts available, and the Name Your Price tool
How To Get Progressive Auto Insurance Online
To get Progressive auto insurance online
- Go to https://www.progressive.com/#l
- Enter your ZIP code
- Click Get a quote
Frequently asked questions
1: Is Progressive a good insurance company? With a long history in the insurance industry and strong financial ratings, Progressive is in good standing. Our expert review team gave the insurance company a score of 9.0 out of 10.0 after considering factors such as policy offerings and the customer experience.
2: Is Progressive cheap? Auto insurance prices are based on many factors, so it’s not uncommon for providers to offer you different rates as you compare plans. Many drivers find cheap car insurance with Progressive — especially those that qualify for discounts — but the only way to find the most affordable coverage for you is to shop around.
3:Is Progressive or Geico better? Progressive and Geico are two of the most popular insurance companies in the nation. Progressive has a few more coverage options than Geico, while Geico generally has higher customer service ratings. Both providers offer competitive car insurance quotes for the industry.
4: Does Progressive raise insurance rates after six months? Some Progressive insurance reviews report rate increases after the first six-month policy period. This can happen for a number of reasons, including new driving violations, poor driving behavior while using the Snapshot app or even general rate increases for the area that have nothing to do with the individual driver.