When you begin to look into Progressive, you’ll probably want to know what coverage they provide and how much you could save.
Progressive offers a variety of auto insurance policies, such as basic liability, comprehensive, and collision coverage, and you can choose to include extra options like roadside assistance, rental car reimbursement, rideshare coverage, and loan or lease payoff. There are various discounts available, for example those for safe driving, for bundling policies, for insuring more than one car, for paying your entire premium, or for being a good student. Nevertheless, the coverage, discounts, and prices you receive will depend on your state and your individual circumstances.
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What kinds of coverage does Progressive Insurance provide? The sections below explain the different types.
Your Progressive auto insurance policy can be customized according to your state, the type of car you have, your budget, and the coverages that you want.
It helps to become familiar with the different kinds of coverage.
Liability coverage
Your liability insurance will cover any injuries or damage to property that you cause to another person as a result of an accident, up to the limit stated in your policy.
Liability insurance usually includes coverage for bodily injury and property damage. Most states require drivers to have a minimum amount of liability insurance, but the exact limits vary by state.
For example, if you get into an accident and damage another driver’s car, your property damage liability insurance can help pay for repairs, as long as the cost does not go over your policy limit.
Standard liability coverage does not pay to repair your own car.
Collision coverage
If your car is damaged in a crash with another vehicle or object, collision coverage helps pay to repair or replace it.
For example, if you hit another vehicle, a fence, or a guardrail, your collision coverage would come into effect as long as you met your deductible and the terms of your policy.
A deductible is the amount which you pay normally when making a claim before the insurance company covers the remainder of the amount which is covered.
If you finance or lease your car, your lender may require you to have collision coverage.
Comprehensive coverage
Comprehensive coverage does not cover everything, but it usually protects your car from non-collision events like theft, vandalism, fire, falling objects, and some weather damage.
For example, if a tree falls on your parked car during a storm, comprehensive coverage can help pay for the damage.
Uninsured and underinsured motorist coverage
This coverage can protect you if you are hurt or your car is damaged by a driver who has no insurance or not enough insurance.
Whether this coverage is required, optional, or available—and what it includes—depends on your state.
Medical payments and personal injury protection
Depending on the policy, medical payments coverage can be used to pay for medical and funeral expenses for you, your family members, or passengers.
In some states, personal injury protection (PIP) may offer additional benefits, such as paying medical expenses, lost wages, and other costs after an accident. The rules regarding PIP differ greatly from state to state.
Other Progressive Coverage Options
Progressive also provides additional coverage and features that may be useful, depending on how you use your vehicle.
If your car is being repaired after a covered accident, rental car reimbursement can help pay for a rental, as long as it fits your policy terms.
Roadside assistance includes services like towing, unlocking your car, changing flat tires, and delivering fuel or fluids.
Loan or lease payoff coverage could help to pay part of the difference between the amount you owe on a vehicle that you have financed or leased and its actual cash value if the vehicle is stolen or declared a total loss, provided that the policy terms and limits apply.
Progressive also offers coverage for people who drive for rideshare or delivery services in some cases. The details and availability depend on your state and situation.
What discounts does Progressive offer? The sections below cover some of the savings options available.
Progressive has many auto insurance discounts, but getting one does not always mean your total premium will be lower than another company’s quote.
Some of the discounts and savings opportunities Progressive currently lists include:
- Drivers may be eligible for discounts depending on their driving record.
- Progressive’s usage-based program customizes its rates on the basis of driving data.
- You can qualify for a multi-policy discount by bundling your eligible Progressive policies.
- You get a discount if you insure more than one vehicle on the same policy.
- You may be eligible for savings if you pay the full policy premium.
- Eligible customers can receive a discount if they arrange for automatic payments.
- There is a discount for good students: full-time students with good grades may receive it.
- Students who are studying at a school away from home may be eligible for a distance-learning discount.
- You may be eligible for the homeowner’s discount even if your house is not insured through Progressive’s network of home insurers.
Not all discounts are available in every state, and some come with particular eligibility requirements. Progressive states that its customers can accumulate several discounts if they meet the eligibility criteria, although some discounts cannot be combined.
How Does Progressive Snapshot Work? The sections below explain how Snapshot affects pricing and what to consider.
Snapshot is one of the more distinctive methods that Progressive uses for pricing auto insurance.
It’s a usage-based insurance scheme that takes into account details about the way you drive, such as how far you drive, the times you drive, and some of your driving habits. The data may be gathered via a mobile app or a device, depending on the state and the program.
The potential advantage is simple: safer driving may lead to monetary savings.
Snapshot does not offer a guaranteed discount to all customers. Progressive states that, in some states and situations, risky driving could lead to a higher renewal rate. The scheme is also not available in certain states and under certain circumstances.
That makes Snapshot worth considering if you’re comfortable with your driving behavior being used to determine your insurance rate. If you prefer not to use a usage-based program, compare quotes without relying on Snapshot savings.
Does Progressive offer insurance for more than cars? The sections below look at the other insurance products Progressive offers.
Yes. Progressive offers more than auto insurance.
Its insurance products include homeowners, renters, condo, motorcycle, boat, RV, ATV/UTV, pet, life, umbrella, travel, and other coverage types. Because availability varies by product and location, bundling can be relevant for people who need multiple types of insurance.
This can make bundling relevant for people who need multiple types of insurance.
For instance, a person who holds a Progressive auto policy and who is eligible for homeowners’ or renters’ coverage might be eligible for a multi-policy discount.
Should bundling with Progressive Insurance be considered worthwhile? The sections below look at how bundling works and what it may mean for cost.
Bundling involves purchasing more than one kind of insurance from the same insurance company.
Progressive offers multi-policy discounts for combinations involving auto and homeowners insurance, as well as renters, condo, motorcycle, boat, or RV insurance. However, the extent of the savings will vary according to the policies, the location, and other factors.
However, combining options will not always result in the lowest total cost.
Imagine that your present automobile insurance costs $1,200 a year and that a different insurer is offering $1,000 for similar coverage. A discount on a bundled Progressive policy might still result in you paying more in total—or it might make Progressive the better choice. The only way to find out is to obtain quotes with the same coverage limits and deductibles.
What determines the price of Progressive Insurance? The sections below review the factors that can affect your premium.
There is no single standard rate from Progressive Insurance.
The amount of premium you pay may change based on factors such as where you live, your age, driving record, the type of vehicle you have, how you use your vehicle, the coverage you choose, and the level of coverage. Additionally, your deductible will affect the amount you end up paying.
That is why two drivers can be given very different quotations even if they have similar vehicles.
The coverage you choose matters, too. For example, a liability-only policy will generally provide less protection than a policy that also includes comprehensive and collision coverage. Progressive itself notes that choosing the lowest price may mean giving up protection you might want.
Progressive Insurance: Pros and Cons
Progressive can make sense for drivers who want several coverage options and opportunities to reduce their premium through discounts. However, the best choice still depends on the coverage and price you compare.
Possible benefits
- A wide selection of auto coverage options
- Multiple discount opportunities
- Usage-based insurance through Snapshot
- Bundling options for several types of insurance
- Online tools for comparing coverage and building a policy
- Additional options such as roadside assistance and rental reimbursement
Likely drawbacks
- Discounts and coverage options vary by state.
- Snapshot can affect renewal pricing based on driving behavior in some states and situations.
- The lowest available price may involve less coverage than you actually need
- Your Progressive quote may be higher or lower than those from competing insurers, depending on your circumstances.
The important point is that these aren’t reasons to choose or reject Progressive automatically. They’re factors worth considering when comparing policies.
How to Compare a Progressive Quote Properly
Looking only at the monthly premium can give you a misleading comparison.
Instead, compare the same basic coverage structure across insurers. Check the liability limits, comprehensive and collision deductibles, uninsured/underinsured motorist coverage, rental reimbursement, roadside assistance, and any other options you need.
For example, if Progressive quotes $140 per month and another insurer quotes $125 per month, the second policy isn’t necessarily the better deal if it has substantially lower liability limits or higher deductibles.
The coverage that should be taken is partly determined by the requirements of the state, the value of your vehicle and your assets, whether or not the vehicle is financed, and the amount you are willing to pay out of pocket.
Frequently Asked Questions
Is Progressive a sufficient insurance company?
You should decide for yourself if Progressive is the right choice for you according to your needs, your place of residence, your preference for the type of coverage, and the quote you get. Even though it provides a wide range of car insurance coverages and discounts, insurance prices and the features available will differ from customer to customer and from state to state. The best method of evaluating Progressive is to compare it with other insurers that provide similar coverage.
Does Progressive offer cheap car insurance?
Progressive might offer competitive rates to a number of drivers, but there is no single price ranking that applies to all people. The quote you get can be affected by your age, where you live, your driving record, the type of car you have, the insurance options you select, and the discounts to which you are entitled.
What is Progressive Snapshot?
Snapshot is Progressive’s usage-based insurance policy which customises your insurance rate on the basis of some of the data about how you drive. You may be able to save money if you drive safely, but in certain states and circumstances your rate could increase when the policy is renewed. The scheme is available in different states.
Is there a good student discount offered by Progressive?
Progressive does provide a discount for eligible full-time students. Currently, the data shows that to qualify students usually have to satisfy age and academic requirements, and the specific discount can differ from state to state.
Can I have my Progressive auto and home insurance combined?
That is correct since Progressive offers discounts for multiple policies when customers bundle their eligible insurance policies. The specific amount of the savings and the combinations that count will vary.
The Bottom Line
Along with basic liability coverage, Progressive Insurance allows drivers to select a range of options such as comprehensive and collision protection, coverage for uninsured or underinsured motorists, medical-related coverage, roadside assistance, rental reimbursement, rideshare options, and other features which vary according to the state and the policy.
There’s another good reason to obtain a quote, particularly if you’re eligible for discounts such as those for safe driving, multiple policies, multiple cars, being a student, payment, or other discounts. Yet the fact that you qualify for a discount doesn’t mean that Progressive is the right choice for you.
The smarter approach is to compare the total price for comparable coverage, not simply the advertised discount or lowest monthly premium. Your state, driving history, vehicle, coverage choices, and personal situations can all change the result.
