Progressive Car Insurance guide Progressive Mutual Insurance Company was founded in 1937. Progressive’s goal was to provide auto insurance that was affordable to everyone. Today, Progressive ranks as the third largest auto insurance company in the U.S. Progressive was the first auto insurance company to develop a website in 1995 and was a pioneer in expanding its website’s scope. Helpful Information About Progressive Car Insurance
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OfficialCarInsurance.com provides its users with quotes for auto insurance online from multiple insurance companies, including Progressive. We at OfficialCarInsurance.com want to educate you so that you can make an informed decision if you’re thinking about purchasing a Progressive auto insurance policy.  

Types of Car Insurance Coverage Offered by Progressive

Car insurance is required by law if you own a vehicle. Progressive car insurance offers policies that will meet your state’s minimum, and you can also purchase policies that provide more protection. Progressive offers these coverages:

Check your state’s insurance requirements before purchasing a policy to ensure you are in compliance with local and state laws. 

Progressive Car Insurance rates comparison

Customer service from Progressive is available by phone, email, automated chat and insurance agents. Although available 24/7, Progressive is below average for customer service ratings. Some reasons for the poor rating are several transfers to other operators and delays in responding.

Progressive has a strong financial stability rating. Its business profile is very favorable, has a stable rating outlook, and A.M. Best rates Progressive as A+ or superior. Progressive’s Better Business Bureau rating is also A+. Financially stable insurance companies can pay claims promptly.

Some Progressive car insurance policyholders are pleased with their claim handling. However, there are many complaints about how claims are handled, including poor communication, reluctance to pay claims and unsatisfactory transparency.

Progressive’s highly-rated mobile app is available for both iPhone and Android users. The mobile app allows users to report and manage a claim, pay their bills, request roadside assistance, view policy details and digital ID cards and explore all insurance products that Progressive offers.

Progressive offers several insurance products besides car insurance. Some of these products are:

  • Homeowners, renters, condo and mobile home
  • Boat, motorcycle, RV, snowmobile and classic car
  • Health, dental, vision and life
  • Identity theft protection
  • Professional liability
  • Business liability, commercial vehicle and workers compensation

Progressive can also provide personal loans, online banking and a car shopping service.

Progressive’s Pros and Cons

Researching companies you’re considering doing business with is always a good idea. As with any business, Progressive has pros and cons.

Progressive’s Pros

Progressive’s Cons

AAA insurers also often offer discounts to members employed by certain companies or affiliated with specific professional organizations. 

Progressive customers who buy more than one policy from Progressive can qualify for discounts on their auto insurance, and in some cases, the other policy as well. If you insure more than one car on a policy with Progressive, you get a discount for that also. Drivers who consistently carry auto insurance coverage are considered to be a lower risk. Progressive’s continuous insurance discount takes the total time that you’ve been insured into account, even if another car insurance carrier previously insured you.

Some of Progressive’s discounts are based on the age and driving records of the drivers who are insured on your policy. Progressive awards discounts to safe drivers using their Snapshot program. Full-time students with good grades receive good student discounts. Progressive also offers a teen driver discount and a distant student discount.  If you are a homeowner, Progressive will give you a discount. Your home doesn’t have to be insured by Progressive to qualify for this discount. The way that you get a quote from Progressive and buy your car insurance policy affects your rate. This category includes getting your quote online or finishing your online quote by phone, signing and receiving your policy documents online, arranging for automatic policy payments and paying for your policy in full.

Progressive’s Pricing

Progressive auto insurance premiums are slightly more expensive than average. However, in some cases, these rates vary. For instance, drivers who put lots of miles on their vehicle usually pay more for their auto insurance coverage than drivers with lower mileage. With Progressive, the rates are only slightly more for high-mileage drivers. Your credit score directly affects the premium you’ll pay for Progressive auto insurance. Drivers with poor credit scores can pay significantly more than someone with good credit would pay for the same policy.

Progressive is known for having some of the best rates in the auto insurance industry for high-risk drivers. Those with a DUI on their record, who are under 21 or are elderly are included in the high-risk category. Those who have recent accidents or driving infractions on their records will pay more than the national average for a Progressive car insurance policy. However, Progressive offers an Accident Forgiveness program that can sometimes prevent a significant rate increase after an accident.

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At OfficialCarInsurance.com, we know that more and more consumers are shopping for car insurance based on price. Savvy consumers want to compare car insurance quotes from multiple companies to find the best value for their money. Comparing rates and buying car insurance online saves time and money. That’s why we offer our services.

You could obtain car insurance quotes from several companies on your own, but that means you’d have to provide all the required information over and over. OfficialCarInsurance.com has a handy online form that requests this information, and within minutes we will provide you with quotes from multiple car insurance companies such as Progressive. You’ll be able to compare these quotes side-by-side and take your time reviewing the information. You’ll also be able to see the rates from each company for the same coverage, which saves money.

We know that consumers want to understand what they’re buying. That’s why OfficialCarInsurance.com’s on-site library contains several articles to educate customers about car insurance. We want you to make an informed decision when purchasing your car insurance policy.