Progressive insurance is one of the best insurers out there, and its strengths are its auto and motorcycle insurance policies.
Contents
Progressive Auto Insurance Reviews
Although progressive don’t offer the cheapest insurance, its customer service and range of features and discounts make it on the best.
About Progressive
The Progressive Corporation is an American insurance company founded on March 10, 1937. It is headquartered in Mayfield Village, Ohio, USA. With about 85 services, Progressive insurance provides insurance with reasonable prices and a combination of unique programs and discounts that can get you the most affordable policy.
This company insures vehicles, motorcycles, boats, trailers, RVs, PWC, commercial vehicles, and home, life, pet, and other insurance solutions through select companies.
Progressive’s average auto insurance rates
The average car insurance rate is $104 per month or $1249 annually. It is the third cheapest insurer, and it’s just a few dollars above America’s average. Although factors such as:
Age – Insurer always charges drivers under 25 with higher premiums because they are inexperienced and more likely to get into a collision than a 30-year-old.
Location – Your postal code most likely impacts your insurance rates; for example, in an urban area risk of being in an accident or theft is higher, so you have to pay a higher premium than someone living in the suburbs or a rural area.
Vehicle – Generally, your car model impacts your rate considerably, things like your vehicle’s age, size, and value of your car.
Driving Record – Having a staller driving record with good driving behaviors not only lowers your rates but will get you discounts.
Annual Mileage – If you use your car often, the risk of getting in an accident increases, and as a result, you’ll have to pay more for insurance.
Gender – Statistically, women are in fewer and less severe accidents than men, and statistics show women tend to pay less for car insurance than men.
Progressive Exotic Car Insurance
Coverages
- Comprehensive:
Comprehensive insurance pays for damage done to your vehicle from incidents other than car accidents, like storms, fires, or vandalism. - Liability:
If you are at fault in a collision, this insurance covers injury, death, and property damage. Liability coverage is mandatory in most states. - Collision:
Damages caused by accident with a vehicle or an object like a tree are covered by collision insurance. - Medical Payments:
This coverage pays for medical expenses associated with the car accident. - Uninsured and Underinsured Motorist:
If you had an accident that wasn’t your fault and the other driver doesn’t have insurance or has insufficient coverage, this coverage pays for your bodily injuries and property damage. - Bodily Injury:
Bodily injury covers your medical bills due to an accident and the lost income if you hit someone, and they’re injured. - Property Damage:
Damages to someone else’s property or car (you’re at fault) are covered if you have this coverage.
Add-on coverages
- Roadside Assistance
- Gap Coverage
- Rental Car Reimbursement
- Custom Parts and Equipment Value
- Rideshare Coverage
- Deductible Savings
Progressive Roadside Reimbursement
Discounts
- Multiple Policy: having more than one policy saves you 5% on each policy.
- Multiple Vehicle: If you have more than one vehicle insured with Progressive, you get a 4% discount on your premiums.
- Snapshot: The Snapshot tool calculates savings based on your driving habits.
- Good Student: Students who keep a B average or higher can get a good student discount.
- Online Quote: Get an online quote and save 7%.
- Sign Online: If you sign your insurance documents online, you can save about 9%.
Review
Reviews.com Score: 4.4
AM Best: A+
J.D. Power: 830*
States served: 50 + D.C.
PROS:
- Nationwide availability
Coverages are available in all states for all kinds of drivers. - Savings
Progressive claims they save an average of $700 or more for customers who switch from other carriers. - Snapshot Program
You could receive discounts for safe driving and good driving behaviors with Snapshot. - Accident Forgiveness
Some drivers may qualify for accident forgiveness, and Progressive agrees not to increase the driver’s premium after filing their first accident claim.
CONS:
- Progressive insurance reviews
Customer satisfaction could use improvement. - Poor claims satisfaction
J.D. Power’s Auto Claims Satisfaction Study shows Progressive has below-average claims satisfaction. - Progressive car insurance quote tool
The quote tool is limited and requires a credit check before providing the rates. - Insurance options
Fewer coverages are available compared to other auto insurance companies.
How Long Does a Progressive Claim Take?
According to the J.D. Power 2020 U.S. Auto Claims Satisfaction Study, auto claims take about ten days, so Progressive customers should expect their claims to take around ten days or maybe longer.
How To Cancel Progressive Car Insurance?
To cancel a policy you purchased from Progressive, you need to contact an agent or the customer service representative by phone or email.
