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. Consumers consistently rate Progressive highly for trust and satisfaction, reflecting strong loyalty and positive experiences. 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.
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.
When comparing the difference in premiums between Progressive and other company options like Geico or State Farm, some drivers may find Progressive to be cheaper, especially for those with less-than-perfect records. However, the cost can vary, so it's important to compare auto insurance quotes across multiple companies to see which offers the best rate for your situation.
Want to make sure you’re getting the best deal? Read our guide on comparing car insurance with OCHO to learn how to find the right coverage at the best price.
Every car insurance company considers multiple factors when setting rates, so understanding how much car insurance should cost for you is essential. Here are some key factors that may affect your Progressive car insurance premium.
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.
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.
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.
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.
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, and it’s important to understand the different types of car insurance coverage available before you choose limits.
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.
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.
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.
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.
Progressive also offers full coverage policies, which combine liability, comprehensive, and collision coverage to provide broader protection for your vehicle compared to minimum coverage requirements. Before you enroll, it helps to know how to read your car insurance policy and its fine print. Optional coverages such as custom parts and equipment or rideshare coverage are designed to protect both your vehicle and you as a driver in a variety of situations.
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.
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.
✅ 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.
✅ 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.
✅ 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.
✅ 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.
At the start, it's important to note that Progressive car insurance discounts can significantly help lower your total cost of coverage. These discounts are available in various forms and can be combined to maximize your savings, depending on your eligibility and location.
Loyalty-based Auto Discounts & Features
Many of Progressive’s money-saving discounts are loyalty-based, so with them, it pays to stay:
Driver-based Auto Discounts
Progressive offers various driver-based discounts aimed at recognizing and rewarding safe driving habits:
Discounts for How You Quote and Buy
Progressive provides additional discounts based on your preferences and payment choices:
Progressive auto insurance goes beyond standard coverage by offering 24/7 roadside assistance to its customers, ensuring you’re never left stranded when you need help most. Whether you’re dealing with a flat tire, dead battery, lock-out, or simply run out of fuel, Progressive’s roadside assistance program is designed to get you back on the road quickly and safely. Pairing these benefits with strategies for getting cheap car insurance without sacrificing coverage can significantly lower your overall insurance costs. This valuable service is available to drivers who include comprehensive and collision coverage in their progressive car insurance policy, giving you added confidence every time you drive.
With Progressive, you have access to a nationwide network of trusted service providers who can assist with towing, jump-starts, emergency fuel delivery, and lock-out services. No matter where you are—across town or on a road trip—you can count on reliable support just a phone call away. This level of service is a key reason why so many drivers choose Progressive auto insurance for their car insurance needs.
In addition to roadside assistance, Progressive offers a suite of online tools and resources to make managing your policy simple and convenient. Progressive customers can easily access their policy information, make payments, receive documents, and adjust coverage options online or through the Progressive mobile app. Filing a claim or tracking its progress is straightforward, thanks to Progressive’s user-friendly digital platform.
Progressive also rewards customer loyalty with a variety of discounts, such as the continuous insurance discount for maintaining uninterrupted coverage and the paperless discount for opting to receive documents electronically. These savings can help you keep more money in your pocket while enjoying comprehensive protection and support.
If you’re ever involved in an at-fault accident, Progressive’s claims process is designed to be efficient and stress-free. Their dedicated claims team works quickly to arrange repairs and get you back on the road, all while keeping you informed every step of the way. With flexible coverage options—including liability coverage, personal injury protection, and collision coverage—you can customize your progressive policy to fit your needs and budget, especially if you understand the main car insurance coverage FAQs and options.
Ultimately, Progressive’s commitment to customer service, reliable roadside assistance, and a wide range of coverage options make it a standout choice for drivers seeking dependable and affordable auto insurance. Whether you’re a new customer or have been with Progressive for years, you’ll benefit from their focus on convenience, savings, and peace of mind every time you hit the road.
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):
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. Customers also benefit from the convenience of managing their policy online, including filing claims and accessing important documents through Progressive’s digital platforms.
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.
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. Progressive also works with independent agents who can provide personalized advice and help customers compare coverage options, including modern platforms that offer easy, free car insurance quotes with flexible payments.
They also have a wide range of articles to explain every aspect of car insurance you may need help with, which can complement broader guides on smart shopping with free auto insurance quotes.
Progressive Insurance Mobile App
The Progressive app lets users easily manage their insurance policies from their smartphones. Some mobile app features include:
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. If you’re comparing insurers, it can help to understand OCHO’s mission and how it serves drivers alongside Progressive. 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.
For answers to common questions about how OCHO works as a broker, lender, and support team, you can also review OCHO’s frequently asked questions about its services.
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.
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—or take advantage of multi-car insurance savings for multiple vehicles—will also benefit.
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, especially when you understand what a fair car insurance price looks like for you.
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