We’ve all seen those Progressive auto insurance commercials featuring “Flo” — the brand’s quirky media personality. Flo uses humor and storytelling to explain how consumers can save by switching their auto insurance to Progressive. But is there any truth to her claims? That really depends on who you ask.
Progressive auto insurance does offer a wide range of discounts for consumers from all walks of life, and they currently have over 18 million auto insurance customers on their rolls. They also offer insurance for your home, as well as coverage for recreational vehicles like boats and motorcycles. The best part is, Progressive really does make it easy to get a free insurance quote online, helping you avoid making a visit to an insurance agent’s office.
If you’re considering a new auto insurance policy to save money or secure more coverage, you may want to consider Progressive. Keep reading to learn what their policies include as well as discounts that may be available.
Progressive Auto Insurance: Key Takeaway
- Progressive claims new customers save $699 on average when they switch.
- Get huge discounts when you bundle policies for your car and your home.
- Receive a discount for paying your six-month policy in full.
- A+ (Superior) rating for financial strength and claims payment ability from A.M. Best Company.
- Get a free, no obligation quote online.
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Progressive Auto Insurance: Why You Should Consider It
Like other companies that offer auto insurance, Progressive lets you customize your policy to meet your unique needs. They also offer three basic “tiers” of coverage you can choose from as your build out your policy — basic, choice, and recommended.
Where Progressive’s basic (bare bones) auto insurance policies come with lower policy limits and no additional coverage for medical payments or underinsured and uninsured motorists, their beefier recommended plans come with higher limits, more perks, and more peace of mind.
The different types of coverage you can bundle into your Progressive Auto Insurance policy include:
- Uninsured/underinsured motorist coverage: this coverage is crucial if you’re in an accident with an uninsured or underinsured motorist.
- Medical payments: kicks in to take care of medical bills in the event you or other passengers are injured in your vehicle.
- Rental reimbursement: can provide you with reimbursement if you need to pay for a rental car while your own insured vehicle is being repairs.
- Towing and labor costs: can cover towing and labor costs if your vehicle is out of service.
- Comprehensive coverage: additional coverage that kicks in to repair your vehicle no matter the cause of the damage.
- Collision coverage: this coverage will fix your car even if you were at fault in an accident.
Also note that you can have some say in the deductible you’ll need to pay in order to access your coverage. Choosing a higher deductible may help you secure lower monthly auto insurance premiums, whereas a lower deductible will cost more each month but lead to lower out-of-pocket costs if you need to file a claim.
How to Get a Quote from Progressive Auto Insurance
One real benefit that comes with shopping for car insurance with Progressive is the fact that you can get a free, no obligation quote online after providing some very basic information. In some cases, Progressive may even have access to your vehicle information once you provide your name and address. This makes the entire quote process run more smoothly since you can expedite your application and skip over the information regarding your auto make and model, age, and mileage.
Regardless, the main information Progressive needs to process your quote includes:
- Your name
- Address
- Auto type
- Length of time you’ve had a driver’s license
- Moving violations in the last three years, if any
- Housing status
- Current auto insurance status
- Add-on coverage you prefer
- Preferred coverage limits
- Discounts you may qualify for
Once you provide all the details Progressive asks for, they’ll offer you a selection of free quotes that vary depending on how much coverage you want to buy. You can even select a start date for your policy, ensuring it will be ready to go when you need it.
Progressive Auto Insurance Discounts
One impressive detail to note with Progressive is the fact they offer so many discounts that can help you save on auto insurance as well as other policies you choose to buy. The main discounts you can apply to your policy include:
- Multi-policy discounts: You can save 5% to 15% for bundling multiple insurance policies with Progressive, such as your auto and home insurance or auto insurance and boat insurance.
- Snapshot: This program helps you get a lower rate by monitoring your actual driving activity.
- Safe driver discount: Save an average of 31% if you haven’t had any accidents or traffic violations in the last three years.
- Multi-car discount: Save an average of 10% for bundling more than one car in your Progressive auto insurance policy.
- Homeowner discount: Save an average of 10% just for owning your own home, even if you don’t bundle your homeowner’s insurance with Progressive.
- Paperless statements: Sign for your policy online and ask for paperless statements to save even more.
- Good student discount: College and high school students with a “B average” can qualify for even more discounts.
How We Rate Progressive Auto Insurance
At The Simple Dollar, we aim to provide a general overview of each insurer’s products and services through a standard rating process. We reviewed the most recent claims satisfaction and overall customer satisfaction studies from J.D. Power, customer reviews from Consumer Affairs and other sources, and financial solvency reports from A.M. Best. After a thorough research and discovery period, here’s how Progressive auto insurance stacks up:
| Progressive Auto Insurance at a Glance | ||
| Overall Rating 🌕🌕🌕🌕🌑 |
Claims Satisfaction | 🌕🌕🌕🌑🌑 |
| Coverage Options | 🌕🌕🌕🌕🌕 | |
| Financial Solvency | 🌕🌕🌕🌕🌕 | |
| Customer Satisfaction | 🌕🌕🌕🌑🌑 | |
The Bottom Line
If you’re in the market for auto insurance, you might as well give Progressive a chance to earn your business. Applying for a free quote online is a breeze, and you can even customize your policy if you want higher coverage limits or special add-ons.
Still, you should compare pricing with at least three insurance companies before you settle on a new policy. By shopping around and making an apples to apples comparison, you can ensure you’re not paying more than you need to for a similar level of coverage.
Find the Best Car Insurance
Enter your ZIP code below and be sure to click at least 2-3 companies to find the very best rate.
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