Progressive began selling auto insurance in 1937 when Joseph Lewis and Jack Green decided to gamble on a new model of insurance. Today, it offers auto, motorcycle, boat, and commercial auto insurance, as well as a wide range of personal insurance, including health, dental, life, and umbrella policies.
Progressive offers a wide range of discounts and features to help customers save money on their policies. It also uses technology to encourage consumers to compare quotes and drive safely.
1. Easy online application
Progressive insurance offers a wide variety of auto, life, and health insurance products. The company sells policies online and through independent agents.
Progressive also provides a range of consumer-friendly online tools and resources for its customers. The website allows clients to review coverage, make payments, request roadside assistance, and more.
The online application process is easy to navigate and allows you to customize your policy. It also gives you the opportunity to save money on your premiums by choosing certain discounts.
Homeowners insurance from Progressive covers your property and loss of use expenses if your home is damaged or destroyed. It also protects against liability claims, including slander, libel, and wrongful eviction.
However, it’s important to note that Progressive doesn’t write its own home insurance policies. It relies on underwriters, which means that rates and coverages vary depending on the insurance companies in your area.
The company also offers a range of life insurance products, such as term, whole, universal, and final expense policies. You can get an instant quote for these policies on the Progressive website, and the applications are routed through eFinancial, which matches you with a provider based on your specific needs.
2. Good customer service
Progressive Insurance is a reliable auto insurer with a good reputation for customer service. It is one of the largest providers of personal auto insurance and offers coverage in over 40 states.
Positive reviews of progressive insurance talk about their quick claims process and helpful and understanding customer service agents. Negative reviews point out that some agents are unprofessional and that claims can take a long time to resolve.
If you are dissatisfied with Progressive’s customer service, there are several ways to file a complaint. You can submit a formal complaint to your state’s insurance regulator, write a review on WalletHub, or use your social media platforms to make your voice heard.
The National Association of Insurance Commissioners (NAIC) tracks complaints submitted to state insurance departments. Progressive’s complaint index is 1.01, which is higher than the NAIC’s baseline average of 1.00 but still relatively low compared to other insurers.
The company also offers a large accident forgiveness perk that keeps rates from rising for up to five years for drivers who have been accident-free for the past three years. This program also includes roadside assistance, which covers lock-out service, fuel delivery, and flat tire changes.
3. Great discounts
Progressive offers a range of discounts for loyal customers, drivers, and policies. These include discounts for multi-car coverage, homeownership, and continuous insurance.
These discounts are a great way to reduce the overall cost of your policy. You can find them on their website, or you can ask a customer service representative for details.
Online quote discount: If you get a policy quote online, you can save up to 7% on your premium. You can also get this discount if you pay your car insurance premium upfront rather than paying monthly.
Sign online discount: If you sign your policy documents online, you can save 9% on your insurance. You can also earn this discount if you make automatic payments and paperless billing.
Multi-car discount: You can save up to 4% if you insure multiple vehicles with Progressive.
Homeowner discount: You can get a 10% discount on your Progressive auto insurance if you own a house.
The company also has a good student discount for students who maintain a “B” average. You can also take advantage of a distance student discount if your child attends school 100 miles or more away from your home.
4. Value for money
Progressive offers many ways to save on car insurance, and these discounts can add up to a significant discount over time. These include the Safe Driver discount, which varies by state and driving record, as well as Progressive’s Snapshot program, which tracks your safe driving habits and adjusts your rates accordingly.
Other savings options include a discount for bundling two or more policies and staying continuously insured with Progressive. Additionally, Progressive also offers a large accident forgiveness policy, which keeps your rates low once you’ve been claim- and violation-free for three years.
In addition, the company offers roadside assistance, which covers emergency services such as towing and flat tire changes. It also offers loan/lease payoff, which helps cover the difference between the actual cash value of your car and the amount owed on the loan or lease.
As a general rule, it’s important to compare prices and coverage before buying a car insurance policy. This will help you determine which insurer is the best fit for your needs. You’ll also want to consider how much you can afford to spend on the premiums.
5. Easy claims process
If you are a policyholder with Progressive, you can file a claim by phone, email, or online. You can also track the status of your claim at any time through these methods.
If there are any issues with the claims process, you can always hire a personal injury attorney to help you out. Lawyers have years of experience negotiating with insurance companies like Progressive and can ensure that you are not disadvantaged by their tactics.
The insurance industry is in the business of making money, and they often try to avoid paying out full and fair value to their customers. This can be especially frustrating for victims who are struggling to pay their bills or have no other income at the time of an accident.
Adjusters from Progressive use a variety of deceptive tactics to deny or minimize your claim. For example, they may ask you questions in a recorded interview to invalidate or dismiss your injuries. They may also call you out for exaggerating your medical expenses or pain levels. They can also make an absurdly low first settlement offer that is almost laughable.
6. Flexible coverage options
Progressive offers a variety of flexible coverage options to meet the needs of different types of individuals. Some examples include personal umbrella insurance, pet injury coverage, and rideshare insurance.
The company also offers a Name The Price tool that lets you choose coverages based on your budget and preferred payment method. This is a useful feature for anyone who is looking to reduce their monthly premiums.
It also offers a diminishing deductible option on its auto policies. This option decreases your deductible by $50 for every six months that you don’t file a claim or get a ticket.
Home insurance is available through the company as well. This coverage includes protection against damage to your house and other structures on the property, along with coverage for your personal possessions.
Progressive’s home insurance coverage isn’t as strong as some other providers, but it’s still a good option for those with more than one house or rental property. Its customer service is decent, and it offers a few discounts for homeowners. However, it’s worth shopping around for home insurance quotes from other companies before making a decision.
7. Easy to compare quotes
Progressive is one of the most affordable insurance companies in the country. It offers rates for high-risk drivers and good drivers far below the national average.
You can use a free service like QuoteWizard to compare quotes from multiple companies in less than five minutes. After you receive a few quotes, you can contact an insurance agent to discuss your coverage options and make a purchase.
When comparing car insurance, it’s important to note that rates vary significantly from company to company. Your driving record, vehicle make and model, age, and credit score all play a role in your premium.
The best way to find a good price on Progressive car insurance is to shop around. It’s also important to check your state’s minimum liability requirements and your deductible before making a decision.
You can also save money by bundling your policy with other types of policies, such as homeowners and renters insurance. You can also earn discounts for things like e-signature and paying your premium in full upfront. Lastly, Progressive offers a large accident forgiveness benefit that promises not to raise your rate after an accident.
8. Recommendations
Progressive offers a variety of policies for vehicles, homes, and even boats. It also has a long list of discounts and a suite of digital tools and apps that encourage price comparison and safe driving.
WalletHub’s editors recommend Progressive because it offers a lot of coverage at competitive rates. It also offers unique discounts, including its Snapshot program, which rewards drivers who maintain good driving habits.
For drivers with a clean record, Progressive has average rates that are about 7% cheaper than the national average for full-coverage policies. But prices can vary based on your age, credit, and other factors.
If you have a history of speeding tickets or a DUI, your premiums will increase significantly. In our rate estimates, 35-year-old drivers with a clean record and good credit pay an average of $1,611 per year or $134 per month for full-coverage policies from Progressive.
Drivers may also want to consider adding rental reimbursement insurance. This endorsement reimburses you for your rental car costs if you’re unable to use your vehicle while it’s being repaired following an accident.
