When shopping for auto insurance coverage, Progressive car insurance offers a number of policy options you should consider
Many consumers know Progressive from its television commercials featuring Flo, the helpful insurance guide. What folks may not know is just how many car insurance options are available through Progressive. Progressive car insurance offers a broad range of policy options and coverage plans you should review before selecting a car insurance company.
Know your requirements, know your options
Before reviewing what car insurance coverage options are available through Progressive, you should be aware of what the requirements for car insurance coverage are in the state where you live and drive. Every state has some form of financial responsibility attached to driving privileges. In most cases, getting car insurance is the easiest way to fulfill proof of that financial obligation and responsibility. At the core of a basic car insurance coverage plan is car insurance liability coverage. As such, every state has a minimum requirement for liability coverage (both personal injury and property damage liability.) There are also sixteen states (plus the District of Columbia) that are considered no fault states for car insurance laws and requirements and in these states, licensed drivers are required to carry additional, no fault coverage for personal injury or medical bill payment coverage.
Progressive insurance is available in every state and Progressive agents in your area will be able to make sure you have at least the legally required levels of car insurance. Every insurance expert will suggest that you put policy options in place that exceed whatever your state minimum requirements are. As a way of encouraging this, Progressive will actually offer you a lower overall rate on your policy when you do put coverage options (especially for liability) in place that exceed your state requirements.
Progressive offers all of the following coverage options for drivers in any state, and you can build a policy with some or all of these coverage options:
(Click on any of the following options for additional information)
- Bodily Injury & Property Damage Liability
- Uninsured Motorist
- Underinsured Motorist
- Loan/Lease Payoff
- Medical Payments
- Custom Parts & Equipment/Accessory Coverage
- Rental Reimbursement
- Roadside Assistance
- Pet Injury Coverage
Rates and quotes
Progressive auto insurance can be priced and purchased through an agent, over the telephone or online by visiting the company's website (www.progressive.com). Researching online has several advantages. In fact, one of the selling points promoted by Progressive is its comparative quote service whereby they will list the price you will pay for a package of coverage options as well as what a comparable package would cost you when purchased through select competitors
These online rates and quotes services are available around the clock, each and every day of the year. This gives you the luxury of taking your time when considering such an important investment. At the same time, no site is an infinite source of information, and an agent or customer service representative can answer questions that the website does not. You should also know that, depending on where you live, the Progressive comparative rate function is very selective.
The price of your premiums can be offset by a number of discounts that Progressive may allow. For instance, customers who have achieved longevity with the company (four years or more) without an accident will be spared a premium increase if they do get in an accident. Insuring multiple vehicles will earn discounts on each car.
Owning a home will further decrease your premium, as will paying your premium in full.
Beyond these mitigating factors, Progressive will reduce your initial premium by $50 if you conduct the entire purchase transaction online. Progressive, like other insurers, offers specially priced packages for umbrella policies, where auto, homeowners and health insurance are all underwritten and indemnified by the company. (This is often referred to as bundling.)
Another heralded car insurance discount option through Progressive is its Snapshot® program. This is where drivers agree to have an in-car monitor placed that will record several driving activities (driving frequency, mileage, speed, driving habits, etc.) and after review, allow Progressive to determine if you are a “safe” driver, thus affording you additional discounts on your car insurance premiums. Families with young drivers find that this tool can sometimes assist in reinforcing safe driving habits with new drivers.
In addition to the standard discounts advertised nationally by Progressive, each state has different laws regarding what discounts Progressive can offer drivers. Your state may have many additional discounts Progressive can offer you and you should speak with a Progressive agent in your area to get a full list of the discounts you may be eligible for. You should also ask a Progressive representative about the company’s growing list of loyalty rewards. These range from giving you a break on any small accidents to offering you a discount when you add a minor driver to a family policy. You can also go for the big prize, what Progressive calls its Lifetime Crown Benefits. If you remain a continuous Progressive customer for 20 years, you are afforded a host of rewards, not the least being a guarantee of renewal for the rest of your life with Progressive.
Customer service and ratings
Customer service is one area Progressive touts in its advertising and most of its literature. Depending on the organization conducting the research, the company receives a mixed set of ratings. Its online services are ranked as some of the best by Forbes magazine, U.S. News & World Report and by J.D. Power & Associates, while it falls roughly in the middle of the pack overall in customer surveys ranking responsiveness, claims handling and overall value and affordability. In a combined survey of state insurance commissioners and agencies, Progressive agents rank well when it comes to consumer complaints. The Insurance Consumer Complaint Ratio is a 1-5 scale (5 being the best) ranking companies for complaints and Progressive consistently boasts a ranking of 4-4.5.
Loyalty among its customers is another flag Progressive is proud to wave. In annual surveys conducted by MSN/Money Magazine, Consumer Reports and J.D. Power and Associates, more than 90 percent of current Progressive customers say they would recommend Progressive car insurance to a friend or family member and upwards of 95 percent of current Progressive customers say they plan to renew an existing policy or add another policy from Progressive.
If you’ve been considering adding or changing your car insurance coverage, Progressive is certainly an option you should consider. It will help to have the support and counsel of a local car insurance professional who knows your state’s laws and who is familiar with Progressive and other lines of insurance. Reply! can help you in this effort by connecting you to insurance professionals in your area with just that knowledge and experience.