Progressive Auto Insurance Review

At OCHO, we are proud to be able to offer our customers Progressive as an auto insurance company option. With a rich history dating back to 1937, Progressive has established itself as one of the most prominent car insurance companies and the second-largest insurance provider in the US. 

Progressive Insurance is on Newsweek's Most Trusted Companies list for 2022. This means a lot of people believe Progressive is honest, fair, and treats customers well. In a survey of 50,000 people, Progressive stood out for being trustworthy, securing its spot among the top 400 companies that Americans rely on. This recognition highlights Progressive's good reputation in the insurance industry.

This review will explore Progressive auto insurance's key features and benefits, covering everything from its customizable pricing models to its Snapshot program and available discounts.

You can message us call or download the app on android or iOS  if you are interested in setting up your next policy with Progressive. 

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How Progressive Compares to Other Insurers

Progressive is considered one of the leading car insurance companies for high-risk drivers, especially those with a DUI or DWI on their driving record. Although premiums for high-risk drivers may be higher, Progressive offers specialized programs like Accident Forgiveness to help drivers avoid rate increases after an accident. Their dedication to serving high-risk drivers sets them apart from many other insurers. 

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What Factors Affect Progressive Car Insurance Quotes?

Every car insurance company considers multiple factors when setting rates. Here are some key factors that may affect your Progressive car insurance premium.

1. Credit score

Like most insurers, Progressive may consider your credit history when determining your rate. In states that permit the practice, insurers can use your credit history to create an insurance score, which indicates how likely you are to file a claim. 

2. Location

The city, town, or ZIP code where you live will also significantly affect your rates. Some cities have higher risk factors from major weather events, such as hurricanes, flooding, and tornadoes. Others are densely populated, which increases the likelihood that drivers will file claims for accidents, vehicle theft, or vandalism. If you live in a high-risk area, you'll likely pay more for car insurance.

3. Age

Driver age also affects monthly premiums, with younger drivers usually paying more than older drivers. Teen drivers pay the most since they are the most likely to be in an accident. 

4. Driving record

Your driving record plays a major role in what you pay for your auto insurance. Progressive will likely raise your rate if you get a speeding ticket or cause an accident. Drivers concerned about a rate increase can apply for Progressive's Accident Forgiveness program, which guarantees your rate will not increase after our first at-fault accident.

5. Vehicle usage

How you use your vehicle also affects how much you'll pay for car insurance. The more you drive, the more likely you are to get into an accident and file a claim; the premiums you pay will reflect this. Drivers who use their vehicles for business purposes or to drive for ridesharing services like Uber and Lyft will need to purchase additional coverage.

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Progressive Insurance for High-Risk Drivers

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Several factors can designate you as a high-risk driver, such as a history of parking or speeding tickets, accidents, DUI/DWI violations, being young, or a less-than-ideal credit score.

While not all auto insurance companies are willing to insure individuals with severe offenses like DUI or DWI, there is a notable exception. Progressive stands out as a major insurer that caters to high-risk drivers, especially those with a DUI or DWI on their record. Despite higher premiums associated with severe violations, Progressive secures a spot on CNBC Select's list of the best car insurance companies for high-risk drivers.

Progressive's willingness to provide coverage for drivers with such serious violations is a distinctive feature. Additionally, Progressive offers Accident Forgiveness programs for high-risk drivers, allowing policyholders to avoid rate increases following an accident. 

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When determining car insurance rates, car insurance companies evaluate many, many factors, including the driver’s credit score. Generally speaking, the lower the credit score, the higher the rates. Progressive’s rates are approximately $200 less than the national average for drivers with poor credit.

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Progressive Car Insurance Coverage Options

Progressive offers regular basic car insurance coverages, including liability, comprehensive, and collision coverage, and optional coverages like personal injury protection (PIP), medical payments coverage, and uninsured/underinsured motorist protection. The requirement for these coverages can differ from one state to another.

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✅Accident Forgiveness 

This is a notable feature. Small Accident Forgiveness applies to new customers in most states and prevents rate increases for claims of $500 or less. Large Accident Forgiveness, part of the Loyalty Rewards Program, ensures no rate increase for drivers with a consecutive five-year accident-free record, regardless of the claim size.

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✅Progressive's Deductible Savings Bank: A Smart Way to Save

One of the standout features of Progressive's auto insurance is its Deductible Savings Bank. This unique program allows you to reduce your deductible by $50 for every six months you remain claim-free. The Deductible Savings Bank can help you save money on potential future claims, providing an incentive to drive safely and avoid accidents. This program is available to customers with comprehensive and collision coverage with Progressive.

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✅Gap insurance addresses scenarios where a loan exceeds the vehicle's value, ensuring full payment by Progressive if the car is totaled or stolen, minus the deductible.

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✅Rideshare coverage is available for drivers involved in services like Uber, Lyft, DoorDash, or Uber Eats. Progressive extends coverage for roadside assistance, covering towing, flat tire changes, lock-out service, gas delivery, jump starts, and winching within a 15-mile radius.

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✅In the event of an accident, Progressive provides rental reimbursement, covering the cost of a rental car until your vehicle is repaired. Customers can customize the daily and total coverage limits.

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✅Custom parts and equipment (CPE) coverage protects non-manufacturer-installed additions, such as custom stereo systems, custom wheels, with a typical limit of $5,000.

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What discounts does Progressive offer?

‍Loyalty-based Auto Discounts & Features

Many of Progressive's money-saving discounts are loyalty-based, so with them, it pays to stay:

1. Multi-Policy Discounts: Enjoy savings by bundling two or more policies with Progressive. Whether combining auto and boat insurance or creating a package with auto and home insurance, you can unlock discounts tailored to your needs. Auto and home insurance combined may lead to an average savings of 7% on your auto policy.
2. Continuous Insurance: When you switch to Progressive, the discount reflects the duration of your uninterrupted coverage, applying it upon your first policy renewal.
3. Teen Driver Discount: Adding a teen driver to your policy usually comes with increased costs. However, with Progressive, you can offset this expense with our teen driver discount, applicable to drivers aged 18 and under. The discount becomes active after one year with Progressive. 
4. Accident Forgiveness: Progressive provides Small Accident Forgiveness, ensuring your rate won't increase for claims under $500 from the first policy term. For long-term customers who remain accident-free for five consecutive years, Large Accident Forgiveness guarantees no rate increase, regardless of claim size.
5. Progressive Accident Forgiveness: As part of our Loyalty Rewards Program, you can purchase additional accident forgiveness benefits. It allows forgiving one accident per policy period, supplementing the Small and Large Accident Forgiveness benefits.

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Driver-based Auto Discounts

Progressive offers various driver-based discounts aimed at recognizing and rewarding safe driving habits:

1. Snapshot - Safe Driver Discount: Through the Snapshot program, your actual driving habits determine your rate. According to Progressive, the safer you drive, the more you can save, with an average savings of $231.
2. Good Student Discount: Progressive rewards you with a car insurance discount for encouraging academic excellence in your household by adding a full-time student with a "B" average or better to your policy.
3. Distant Student Discount: If you have a full-time student on your policy aged 22 or younger who lives more than 100 miles from your home without a vehicle, you'll receive a discount.
4. Homeowner Discount: Even if your home isn't insured through Progressive, being a homeowner qualifies you for an additional discount.
5. Multi-Car Discount: You can Save 12% on average when you list more than one vehicle on your policy. This allows you to add cars owned by family members or roommates as long as they are primarily kept at your address.

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Discounts for How You Quote and Buy

Progressive provides additional discounts based on your preferences and payment choices:

1. Online Quote: Receive a 7% discount when you quote car insurance online or when a licensed Progressive representative completes your quote over the phone.
2. Sign Online: Earn a 9% discount by signing your documents online.
3. Paperless: Opt for email document delivery and receive an additional discount, which complements the sign-online discount.
4. Pay in Full: Enjoy savings by paying your policy upfront.
5. Automatic Payment: If paying in full isn't suitable, set up automatic payments from your checking account, credit card, or debit card to receive a discount.

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How do claims work with Progressive?

Before proceeding with a claim, document the accident by taking photos, file a police report if necessary, and collect contact details from all involved parties. 

Handling a claim with Progressive is a straightforward process, and their representatives are there to assist customers every step of the way. Here's what customers need to do (excluding Roadside Assistance):

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‍Step 1: Reporting a claim is simple. Customers can call Progressive at 1-800-274-4499, go online to www.progressiveagent.com, or use the mobile app. Progressive will gather important details to begin the resolution process.

‍Step 2: A Progressive claims representative will contact the customer to confirm the details of the incident and may schedule a vehicle inspection.

‍Step 3: The customer's vehicle will be inspected, and a repair estimate will be prepared.

‍Step 4: Progressive assists in arranging vehicle repairs, towing, and a rental car (if covered). Customers with repairable claims can choose to use one of Progressive's network shops for priority service and guaranteed repairs. Alternatively, customers can select a repair facility of their choice. Progressive also provides options for customers who may choose to receive payment only. Please note that Roadside Assistance does not cover accident tows.

‍Step 5: Customers can check the status of the claim 24/7 on progressiveagent.com. The claim can also be tracked on FAO. By logging into the customer's policy and going to "View Policy Claims," they can get updates.

‍Step 6: Progressive does it best to get the customer gets back on the road as soon as possible. Repairs completed through an approved network shop are backed by Progressive's Limited Lifetime Guarantee, providing customers with confidence in the quality of the repairs.

If customers have any questions or need assistance, they can reach out to Progressive directly.

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User-Friendly Online Tools

Users report that the Progressive website and app are user-friendly. These tools enable users to quickly obtain quotes, manage policies, and file claims through online platforms.

They also have a wide range of articles to explain every aspect of car insurance you may need help with.

‍Progressive Insurance Mobile App

The Progressive app lets users easily manage their insurance policies from their smartphones. Some mobile app features include:

• Access policy information
• Make payments
• Access insurance cards and other documents
• Report a claim
• Request roadside assistance

‍Conclusion

Progressive auto insurance offers a range of benefits that make it a top choice for drivers seeking affordable coverage and exceptional service. With its customizable coverage options and innovative technology, Progressive strives to make insurance accessible and convenient for all drivers. Whether you're a high-risk driver needing specialized coverage or a safe driver looking for ways to save, Progressive has the solutions to meet your needs.

When choosing an insurance provider, it's essential to compare your options. They provide unique coverage options like rideshare and gap insurance, ensuring comprehensive protection for various scenarios. Moreover, Progressive offers accident forgiveness as a standard feature and add-on option. This benefit can save you from premium increases in the event of an accident, providing you with peace of mind on the road.

FAQs

How do I contact Progressive?

• Website: https://www.progressive.com/
• Customer service number: 888-671-4405
• Customer service email address: https://www.progressive.com/contact-us/

Where can I get Progressive car insurance?

You can get Progressive car insurance right here with OCHO! Just send us a message, call or download the app on android or iOS  to set up your next policy today.

Who should get Progressive car insurance?

Progressive has some of the lowest average annual rates for drivers with poor credit and drivers with one DUI on their driving record. Other than that, anyone who is able to bundle insurance coverages with them wil also benefit. 

How to get the best rate with Progressive

Drive safely to save more on your insurance with Progressive. If you've had no tickets or accidents in the last three years, you could get an average discount of 34%. Safe driving is the secret to getting significant discounts compared to those with accidents or violations.

How to cancel my Progressive car insurance?

Car insurance policies can't be canceled online, but you can cancel your policy over the phone, by mail, or via email.

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https://www.marketwatch.com/guides/insurance-services/progressive-snapshot/

https://www.progressive.com/auto/discounts/

https://www.cnbc.com/select/progressive-car-insurance-review/

https://insurify.com/car-insurance/companies/progressive/

https://www.usnews.com/insurance/auto/progressive-car-insurance-review

https://www.forbes.com/advisor/car-insurance/progressive-car-insurance-review/

https://www.nerdwallet.com/reviews/insurance/progressive

https://www.newsweek.com/americas-most-trustworthy-companies-2022

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